In the aftermath of Hurricane Irene and Tropical Storm Lee, many policy holders will file damage claims only to discover how hard it can really be to collect benefits from homeowners and disaster coverage. The fallout from Hurricane Katrina in 2005 changed the dynamic between insurers and policy holders. Deductibles for hurricane wind coverage have steadily climbed upward while other policy limitations have crept into the fine print, lying undiscovered until a claim is filed. The simple fact is that insurers don’t want to pay benefits, which appear as a loss on their books. If they can get out of paying you, they will.