What common allegation do insureds make against insurers concerning claim handling?

Insureds often allege that insurers denied claims without reasonable cause because this reflects a fundamental concern regarding the claims-handling process. Policyholders trust that when they file a claim, it will be evaluated fairly and in accordance with the terms of their insurance policy. When claims are denied, insureds expect a valid justification that aligns with policy provisions. The allegation of unreasonable denial highlights issues of transparency, communication, and adherence to contract terms, which are critical in maintaining trust between insurers and their clients. This concern is prevalent in the industry, as it directly relates to the insured's experience during the claims process and the overall reputation of the insurer.