Had a client call because we denied part of their claim for a simple reason; the policy doesn’t offer that kind of coverage. Their argument went as follows; the policy doesn’t say it doesn’t cover this item. I advised the policy doesn’t say anything about covering this item or not covering it, since it’s simply not written into the policy. It’s just not part of the policy they bought. Can’t ass(u)me because you find no mention of something in an insurance policy, that it is a reason for coverage. (Plus they were being a real dick)

I’ve also taken calls from people who wanted to file claims for home maintenance on their home-owners policy. They figured that they bought a policy for upkeep to their home, nope, no mention of it in that policy either. I need windows; maybe my home-owners insurance will replace them, not!