Forced Placed Insurance: Insurance bought on your behalf by your mortgage company, which will notify you in advance. Act immediately to avoid this. Coverage is always less comprehensive and it usually costs 200 to 300 percent more than what you can buy yourself.

Adjusters: An adjuster employed by your insurance company is their contact with you following a loss. He evaluates the damage and writes you a check. But he’s paid by the insurance company, so it’s impossible for him to be fair. He can’t satisfy your interests if his job is to limit costs for his employer.

If you are poorly informed about his procedures, you might approve his performance. But he won’t “make things right” as described above under Indemnification. It simply is not in his job description at the insurance company, his employer.

Good Faith: Insurance companies should act in Good Faith, as every state requires with laws that protect you from bad behavior. Each state defines those laws differently, but here are examples of acting in bad faith:

• Your insurance company fails to adjust a claim in a timely manner.
• Your insurance company fails to investigate a claim before denying payment.
• Your insurance company has no standard practice for adjusting all claims in the same manner.
• Any misrepresentation by a representative of your insurance company.