I did not make my post to start a discussion about the interpretation of a contract. That is for lawyers. Or the proper use of a semi colon, although some here should research what it is used for.
I posted to point out that insurance companies make money by collecting premiums and reducing pay outs on claims. The difference between the two is called profit. They will try to reduce or deny every claim that is made. It is what they do.
It appears that some here think the insurance company is your friend. They are not.
