Tricks of The Trade – How Insurance Companies Deny, Delay, Confuse and Refuse
(Link to PDF) http://www.justice.org/cps/rde/xbcr/justice/InsuranceTactics.pdf
More reasons you NEED an adjuster, from Bloomberg report:
The Insurance Hoax
http://www.bloomberg.com/apps/news?pid=nw&pname=mm_0907_story1.html
Top Ten Insurance Myths
For most of you, substitute your state for Texas: