Someone we knows has an apartment that is suffering from leaky plumbing. These kind of things tend to be expensive in Europe since ripping apart cement walls is expensive.
The first challenge was getting an assessor to actually come and look at the damage. I guess the company figured that if they never send an assessor, then they don't need to pay.
Finally they lost patience and called a plumber to get an estimate. The plumber told them that the assessor always underestimate the cost and the insurance ends up covering very little of the damage. Then he offered to do it on the weekend get a 15% discount from not paying IVA... oh joy.