Under an insurance policy, the insurance company is required to fairly and thoroughly investigate, evaluate and pay covered claims when its insured are damaged. For example, if you have fire insurance and your home is damaged or destroyed in a fire, the insurance company must, in good faith, evaluate and pay the full value of the claim covered by the insurance policy. Unfortunately, some insurance companies refuse to acknowledge a claim is covered, delay or ignore a claim, fail to evaluate the claim in good faith and even refuse to cover a claim altogether.