Our homes are our sanctuaries but a mishap can create a nightmare.  Fortunately, most homes have insurance to cover the reasonable costs to fix many mishaps.  But insurance policies are specific contracts that do not cover every loss or unreasonably high repair bills.  When a homeowner has damage that the insurance company will not cover, the quick reaction may be to sue.  KVL represents property insurance carriers to resolve disputed claims as efficiently as possible, and to litigate cases aggressively where the facts indicate that the claims may be suspect.