THIS SUCKS!!! (long)
That's why it's important to have a <b>good</b> Insurance provider. Ya, they're all crooks, but some are more ameniable about it than others. The only compaint I could possibly have about State Farm is their premiums (and even then, no more so than any other insurance company) I've never had to fight them, and nobody I know has had to fight them (and my brother in law has made a couple questionable claims that they covered without a problem).
In this particular case though, you should definitely fight to get homeowners insurance to cover it. It'll be cheaper for you in the long run, and if the homeowners insurance isn't in your name, then you won't have any deductible to worry about on top of it (but there again, it needs to be a good insurance provider)
If insurance fails to cover it, drop the coverage and get a better provider. Don't even threaten them with dropping the coverage. Just do it and get it done with so you won't have to deal with this crap again.
In this particular case though, you should definitely fight to get homeowners insurance to cover it. It'll be cheaper for you in the long run, and if the homeowners insurance isn't in your name, then you won't have any deductible to worry about on top of it (but there again, it needs to be a good insurance provider)
If insurance fails to cover it, drop the coverage and get a better provider. Don't even threaten them with dropping the coverage. Just do it and get it done with so you won't have to deal with this crap again.
