When most people think of their insurance company, they picture the smiling faces in TV commercials or the warm, reassuring slogans: “Like a good neighbor…” or “You’re in good hands.” But here’s the truth: your insurance company is not your friend.

Insurance companies are businesses. Their goal is to make a profit, and the way they do that is by keeping claim costs down. Every claim they delay, deny, or underpay helps their bottom line. That doesn’t mean they’re out to get you—but it does mean they are not in business to give away money easily.

At the same time, your insurance company is not your enemy either. Like any business, they want to keep customers so policies will be renewed. They don’t want a reputation for failing to pay claims, because that would push people away. The result is a balancing act: insurers want to keep claim costs low, but also need to treat policyholders well enough to keep their business.

What This Means for Homeowners

When you file a claim, remember that insurance is a business relationship. You’re not dealing with a friend who’s just looking out for you—but you’re also not dealing with a sworn enemy. You’re dealing with a company that’s trying to balance its profits with keeping you as a customer.

That’s why Atlas Adjusting exists. We make sure that balance doesn’t tip unfairly against homeowners. Insurance companies may not be your friend or your enemy—but with Atlas on your side, you have someone who’s only working for you.