Your insurance contract is an expensive but worthless stack of paper if your claim isn't paid. A promise broken. As Warren Buffett says, promises vary greatly in their quality. You know that.
You can boost your chances of getting your (legitimate) claim paid in three ways.
This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2010/08/three-keys-to-getting-your-insurance.html