Insurance paid for all of a new roof after my 14 year old roofing was struck by a hail storm. I’ve heard of others having problems with various aspects of insurance, though, and given the size of the insurance market, statistical patterns or data would be more useful to read than posts by one or two people on HN.
I tried finding data on insurance payout/refusal rate when I was considering switching to a cheaper but lesser known car insurance company. It doesn't seem to exist. So much for consumer choice.
