Insurance Companies are in the business of making money. They have professional qualified adjusters to ensure they are properly represented. The Insurance Companies understand that most policyholders are unfamiliar with their Insurance Contract, which places them in a superior position and you in an unfavorable position.
When you contact your Insurance Company to report a claim, the Insurance Representative is listening very carefully to everything that you say. The Insurance Representative will ask very pertinent questions regarding your claim. Answering their questions incorrectly will impact the amount that can be claimed. As well, human nature is to give information that has not been asked, be very aware the Insurance Representative is noting all of this information to be utilized in calculating your claim.
The Insurance Companies have qualified professionals working for them and so should you.