Two bits about insurance companies. The first from Katrina, where if a home had wind insurance, the company would not pay, claiming the damage was from the flooding; and if the home had flood insurance, the company would not pay, claiming the damage was from the wind.
The second was of a particularly vehement lawyer working for the insurance company of a power company. Some guy had the brilliant idea to lean his very tall, aluminum ladder against a tree branch he was cutting. When the branch was cut, it no longer supported the ladder, which fell forward into power lines.
After he had won the case, that this was not the fault of the power company, he volunteered to sue the estate of the dead man, for “misappropriation-theft of electricity”. The power company wisely told him no.
Those are two very interesting stories. I had my own personal, extremely vile experience w an ins. co. I try not to extrapolate from that one single experience to the entire industry, however. There are good and bad in every walk of life.