Fremont Insurance Company

I was denied a $4,000 claim due to a technicality after 6 years and $37,000 of premiums. I have the “Blanket farm personal property” with high deductible for freak accidents, which I had, and Fremont refuses to provide coverage. In discussing it with others, I was told “basically you need to lie” which is so wrong. If I would have said the following things it would have been covered: • It was vandalized and they broke it off • I backed into my truck. • I backed into my building • The tractor tipped and struck the ground • A tree fell and hit the PTO shaft, snapping it off. What pay premiums if the company will not cover the claim? Why does a company force someone to lie to obtain fair treatment?