The burden of proving your claim is on you, not your insurance carrier. Insurance carriers are For-Profit-Companies. Their ultimate motive is to protect their profit margins for their shareholders and investors; not to pay your claim. In order to do this, they create an uneven playing field. Unlike you, insurance companies and their adjusters are well-practiced at dealing with claims to their own advantage. A typical insurance policy contains hundreds of forms, riders, stipulations, and exclusions that are complex and constantly changing. Most insureds do not understand these policy provisions. As a result, a simple answer by you to an insurance company’s adjuster’s question may significantly reduce the amount of damages that can be claimed on your loss. It is easy for you to make mistakes when you do not know all the rules. The insurance company has adjusters and experts working for them; don’t you think you should have a powerful ally on your side?