Actually they don’t. You may always get a rogue adjuster, but in general they are happy to pay legitimate claims. But yes, you would make a good witness.
Or if you get one from Arizona flown in for extra dealing with lots of claims from (in our case, minor) New England ice storm damage as we did recently, they are so horrified by the idea of an ice storm that they approve all kinds of things that are on the luxurious side...
They need to pay a certain amount in claims in order to justify the rates they charge. The premiums are regulated and they need to show a certain claim volume in order not to have to reduce premiums. And they don't like to get sued, any more than you do.
My experience, like Feet's, with a couple claims relating to ice storm damage, is that homeowners insurance is very generous with coverage. And similarly with auto insurance and auto body repairs.
But health insurance is different. There they go out of their way to deny something and put the ball back in your court. If you're willing to jump through the hoops, you usually get coverage in the end.
They need to pay a certain amount in claims in order to justify the rates they charge
How do you know? Who do you think you are, some kind of actuarial insurance expert witness?