What can I do if my insurance company refuses to pay our claim for burglary?
Question Details: All steps where taken including obtaining a police report and calling the insurer when I was notified about the burglary. Yet, we still are being denied our claim almost a year later.
If you believe, as you evidently do, that the insurer should pay under the terms of your policy/coverage and the facts of this situation but they will not, you can sue the insurer for "breach of contract." An insurance policy is a contract; the insurer is obligated to pay when the terms of the policy say they should. The way your enforce your rights under any contract, including an insurance policy, when the other side will not do or pay what it should, is by a lawsuit. In the suit, you would look to show what the policy says and also prove (e.g. with your and the detective's testimony) what happened, and therefore that the insurer should pay.