Insurance companies never volunteer policy benefits or search for coverage.  Instead, they write insurance policies that are confusing and obtuse and sit back and wait to see if the policyholder is willing to chase the benefits.  In order to maximize recovery of policy benefits, the policyholder needs to understand the policy terms, determine the full range of benefits to which it is entitled, make the claim, support the claim, argue the claim and effectively litigate the claim if necessary.  I have represented multiple clients in maximizing the insurance coverage to which they are entitled and recovered tens of millions of dollars that the clients never expected.