We were paying some rather expensive home insurance, one time a thief broke inside, and they did all they could to avoid paying us, ended paying the bare mininum they could, barely covering the stolen goods costs.
Still at the time it didn't looked like bad faith, just fraud checking...
But then this time lightning hit our house, the insurance response was that unless we can prove it was a direct strike against the house, it would count as "electrical fault" that is not covered, because it would be blamed on the electric company instead...
So we argued that yes, the lightning DID hit our house directly (because well, it did, the path the electricity did was very obvious, with the endpoint being the pointy metal end of the structure that holds our gate upright), they just flat out refused to come check, because the likelihood of this happening was so low that they were sure it was a waste of their time to check, and that we should bother the electricity company...
The electricity company in turn, said they detected zero fluctuations on the grid, and would not send a technician to check, that it wasn't their fault.
So that day I learned that "lightning coverage" only cover a strike on the hourse itself... a strike on the lamp-post right outside for example, doesn't count, even if it blows up everything inside your house, becase the "fault" then is the electric company.