Insurance companies are a business. They sell fire insurance policies to collect premiums then hope and do their best, along with their attorneys, to not have to pay out on any
fire insurance claims. This is their business. If they collect more in premiums then they pay out in expenses and claims they make money. Controlling expensed is something all large corporations have already done a good job with or they wouldn't have survived the recent devastating economic events.
So what’s left to do if an insurance company and their attorneys want to increase profits and make more money? The answer is, pay out as little in claims as they can.
Most people during a tragedy such as loosing their house to a wild brush fire or other type of fire are too overwhelmed to correctly deal with the insurance companies and the fire insurance claim process. They are but one individual during a tragic moment having to deal with a large insurance corporation, their attorneys and the fire insurance claims process. During these times, questions about replacement value, can I rebuild my home; construction costs and other items will arise.
You must not go through this claims process without someone representing your best interest. Even though ones home may have burned down during a fire, the fire insurance and the claim that is due a homeowner is there to protect your biggest asset. To not have a fire insurance attorney represent you could cost you hundreds of thousands or dollars in the end.