One of the reasons people are inclined to ramp up their insurance claims when something happens is because as this article shows it is exactly what insurance companies do to their clients.  The vast majority of people buy insurance hoping they will never need to make a claim - exactly what the insurance companies hope.  However, when misfortune arises it is not to much to expect insurance companies to be honest and honourable.  Sadly all too often they fail to meet this standard.  You should not have to hire a lawyer and an engineer to be treated fairly by your insurance company.  Companies which don't respect the agreement with their clients should be name, shamed and avoided by Canadian residents!