The restoration company expected insurance to pay, but my claim was denied. What should I check?

A contractor's expectation is not a coverage decision. Get the insurer's written reasons, then compare your authorization and payment terms with the invoice. Preserve estimates and messages about coverage. Do not assume a denial cancels the contract or removes charges for completed work. In Illinois, ask the Attorney General promptly whether disaster-repair cancellation protections apply, and contact the Department of Insurance about an unresolved coverage dispute.