In co-dependence denial the greatest ignorance is to reject substantive matter out of hand, yet insurance policyholders do it as preset course, unaware of their vulnerability till often too late.
The question is when will the 99% change course? The answer is when they are good and ready.

Proof of Loss Rejection

Because the policyholder did not support the Proof of Loss with an inventory or estimate does not justify the insurance company's rejection of the Proof of Loss. Substantial compliance is the test to determine if the policyholder complied with the Proof of Loss requirements:
Brookins v. State Farm Fire & Cas. Co., 529 F. Supp. 386 S.D.Ga., 1982.