In the office we are continuously telling clients the reason you pay insurance is to ensure a claim is paid. In a unfortunate act of nature the damage to a building can be severe.
In recent storms, a senior client had the entire roof on their home destroyed. The physical damage is nothing compared to the emotional turmoil this client faced. Being able to simply call his broker during an extremely distressing time and trusting we would handle the claim in a fast, efficient but more importantly caring manner provided some relief.
In the above situation we ensured an assessor was on site the next day organising quotes, repairs and removal of debris.
Insurance is a plan B you never want to use but are extremely grateful for when you need to.