When your property incurs damage, it’s a stressful situation. It’s common to take relief in the fact that you have purchased an insurance policy to cover your damages, should you ever need it. You may think that once you’ve submitted your claim, receiving your money to cover your losses would be a streamlined and dignified process. However, many insurance policyholders find that it’s not at all what they expected. Property damage claims can be complicated, and insurance companies often make it even more challenging for policyholders by delaying, underpaying, or even outright denying claims.