When a consumer or business pays their monthly dues in order to have insurance coverage the individual or business sometimes forgets it's not just an insurance policy... It's a Binding Contract
An Insurance Policy is a Contract
We all go through life buying an insurance policy of some sort, whether we are 16 and buying our first auto insurance policy because we're told it's the law or buying life insurance to secure our future. But sometimes that insurance coverage is not honored or some reason. We never think that after years of paying for insurance it would not be covered. Consumers or businesses want to think it's not just assurance for us as individuals or companies to have bought an insurance policy but also it's reassurance of a contract that is binding and shall be satisfied if it is a covered claim. Coverage is an issue for a lawyer to argue if a claim is denied.
Usually when an insurance policy is denied it's based on a coverage issue. Why did the insurance company deny the claim? You'll need to contact a lawyer for complex coverage issues.