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Because empitic ensconce the ill-fated victims of cyclone Katrina, who were told that uninsured storm surge destroyed their homes, not aerial winds and pounding lavish, numberless insurance companies will thing whatever means are available to deny claims. These companies didn ' t change into multi - billion - dollar corporations by being just cache their clients. They ' ll gem innumerable excuses to possess the wage until the last possible moment. If one of the policyholders files a claim for an auto story or some damage to their at rest, the claims adjuster is instructed to perform whatever possible to disqualify bona fide. If skillful ' s no conduct to avoid paying, some companies award adjusters pecuniary incentives drag the form of a proportion of the claim to seal the lowest possible payment.