In Canada all insurance companies must have a 'internal ombudsman' and there is a provincial oversite ombudsman. I had to use one on a case with 10 antique guns stolen where the claims managerr auto discounted the value of each by 50%. When I got the ombusman involved they reminded the claims manager that my policy was for replacement value for everything with no discount. Case got cleaned up quickly after that. I didn't receive full value replacement as that was hard to determine but my settlement jumped by over 50% with the ombudsman involved.

Nothing is foolproof to a sufficiently talented fool.