4. Your home insurance claim is continuously delayed. Insurance companies should be able to resolve home insurance claims within a specific time frame. However, policies governing this can sometimes be bent and time frames can be adjusted, extending the time until your home insurance claim is issued. Be assertive and watch out if your insurance company is just stalling. If they keep on asking you for clarifications on your claim forms, it might just be that they are holding you off. Be more aware of your rights as a homeowner and be more proactive in dealing with such. John Cutts