I've been luckier than some people I know, and others I've heard of. I had them aggravate me, and disappoint me, but haven't had an insurance company beat me up... yet. Imagine an earthquake and fire destroy the whole town, including your property. The neighbors or family can't help, they're in the same boat. It's a scramble just to find shelter for the next night, no less long term.
Then after going through such a catastrophe, it takes four and a half years to get a Judge to tell the scumsuckers to give you the damn money they owe you. Even then you know full well, through appeals and foot dragging it could keep going like the energizer bunny before you see a dime... IF you see a dime.
I warn 'em, if they piss me off and I come after them, their insurance company won't cover. Why? It would be an act of a god.