It came out in today's paper that out of the insurance claims made by earthquake victims in Nepal, less than 1 percent was resolved. It has been practice of insurance companies to deceive people through obscure clauses in insurance terms.

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90% of insured infrastructures has been altered from original blue print the insurance was written for, most of them personal homes and small business buildings. Insurance has every right to deny compensations in that ground alone.

Let this be a lesson for people to insure, learn how insurance works, what it means, how its useful, and how to abide it.