Most insurance companies will include "exclusions " under their policies to protect themselves from risk. Read your insurance policy carefully to see the wording of the exclusion and compare it against the situation you are facing. (If you don't have a copy, request one of your insurance agent. They should provide you with a copy of your policy.) You may be able to dispute the insurance company's decision to deny your claim. Contact an insurance attorney at the Coye Law Firm to seek assistance with this process.