Consumer Reports looked into home owner insurance policies and found some of the lower-rated national insurers are big-name companies, including Farmers Insurance and Allstate.
Consumer Reports surveyed more than 11,000 subscribers who've filed claims in the past few years.
Among the top-rated home insurers in Consumer Reports' survey are Amica and USAA, a company that primarily serves families with some connection to the military.
No matter who your policy is with, Consumer Reports recommends the following when disputing a claim:
- Request a meeting to review your estimate line-by-line.
- Ask to see specific contract language if you're told your policy does not cover the damage.
- As a last resort, consider getting a public adjuster.
And be sure you read your policy over carefully before disaster strikes. Many companies have reduced their coverage, especially when it comes to storm damage.