If you’re spending more time wrestling than you are repairing or recovering from a loss, then you need to get yourself a good lawyer. The most important thing to remember is that an insurance policy—any insurance policy—is a contract that binds both parties to a set of mutually agreed-to terms. Just as you must uphold your end of the contract, the same holds true for the insurance company.
If an insurance company delays, denies or discounts your claim they may be in breach of the contract. By law, insurance companies are obligated to treat an insured in a reasonable, fair manner. If your insurance company acts in bad faith, you may be able to recover the amount of your loss, along with legal expenses for filing suit against the insurance company, plus interest and punitive damages.
In Pennsylvania, the statute of limitations for filing an insurance coverage dispute can be as short as one year. Don’t delay.
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