[rdtsc]

Yap. An insurance inspector if they are nice enough, will let you know between the lines how you need to phrase your claim. Forgot what the trick word was when we had a leak at our house, but it was similar phrasing -- "So let me remind you, if it is <this>, we'll cover it. If it is <that> we won't. So... which one is it". -- "Oh ok, definetely <this> then ...". /smile

[nathanb]

It's kind of scary that something of this magnitude would depend on the kindness of the claims inspector. The one I dealt with was professional yet friendly and helpful (and climbed my wooden stepladder while wearing heels without a second thought). If she had been having a bad day, or just generally of grumpy disposition, or whatever, things could easily have gone the other way.

[danharaj]

No matter how much our institutions, laws, and social customs try to hide it, when we interact with each other we absolutely depend on mutual trust and cooperation. It's easy to take it for granted because in the vast majority of our interactions we are nice to each other, or the stakes are too low to be mean. The power we hold over each other is always there, though, in every interaction.

[brianpan]

It's not just the kindness of whichever inspector comes to your door. I imagine a majority of it is the company- it's goals, culture, etc. There are insurance companies that will try to deny you a claim that obviously should be covered, and there are others that will cover your claim even though you made a poor decision choosing coverage levels that were too low.

[Lawtonfogle]

It allows for a great deal of discrimination, both explicit where the inspector deliberately chooses to not help and implicit where the inspector isn't even aware they are discriminating.

[scottcanoni]

Reminds of Mr. Incredible's day job as an insurance salesman who helped the nice old lady by telling her how to work the insurance system.

[ghaff]

I've had (I think) a somewhat similar experience. My water line into my house broke outside and had to be replaced. When I called my insurance company, the adjuster made it clear that the costs "to find the exact source of the leak" would be covered but pipe replacement would not be. So I obviously still had to cover part of the job but was able to get the bill itemized in a way that insurance still paid a reasonable portion.