When an insurance policy is purchased, there is a sense that risk has been averted, a feeling, perhaps of peace of mind.  When there is a loss, there is an expectation that an insurance claim will make the insured whole.  Since only about 6% of insured homeowners file an insurance claim per year, most people have never filed an insurance claim in their lives.  When a claim is finally filed, and an offer to pay a claim is made by the insurance adjuster, the insured may feel not being made whole.  Either the amount offered by the adjuster may be too low to cover the actual cost to replace the damage or the claim is fully or partially denied.  In either scenario, a licensed attorney can help assist to recover the difference.