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It goes without saying that if you own or rent a home (house, condo, apartment, cottage, etc.) you should have home insurance. When disaster strikes, such as a house fire, a burst pipe, a flood or anything else covered by your policy, we immediately turn to our home insurer for help. That is natural and we expect the insurance adjuster to be sympathetic and helpful. Unfortunately, many people encounter problems in dealing with their home insurer. These problems include nonresponsiveness on the part of the adjuster, significant delays in the investigation or repair phase of the home, quibbling by the insurer regarding damaged or destroyed contents, all the way up to outright denial of the claim.