If nothing else, peace of mind is the main benefit of having homeowners insurance. If I sound like a shill for the insurance companies, I apologize. However, I recognize homeowners insurance is unavoidable. Hopefully a tornado will never rip your attic to shreds, and a tree will never turn your living room roof into kindling. But if they do, you'll be glad you have insurance.
Just remember, insurance companies are not doing you any favors. To them, you're just a number. They don't want to pay. Often, they'll hedge, they'll balk and they'll say your contractor's a crook. Keep in mind that it's your money. Stand your ground. If you feel you're being mistreated, call your state consumer protection or banking and insurance agencies. It worked for Paula Lazzari of Springfield, Mass.