I think the key to this, as an adjuster of many years, is that if you'd have claimed that it was caused by kid or a falling asteroid then that would be a false claim. if youwent in to see if this was covered, and the adjuster decided that they would cover it then so be it. As a professional addjuster i think I can tell the difference between obvious defect and a covered loss, and I will assume they did too, but for customer service decided to help you out.

Dwight though is correct, in that false claims are getting way out of hand, with folks believing that they pay insurance all this time and now they need to get something back. Wrong. And the other comment about rates being high because of the minor accident injury claims is right on too-that has completely killed this industry. basically it's legalized extortion. The lawyers know how much it costs to defend these cases and they run the bills to exorbitant amounts, and the juries are either not smart enough to see through it, or really don't care, thinking erroneously that they're "sticking it to the carriers", so award many times for a minimal case at best.