As many storm-battered policy holders are beginning to realize in the wake of Hurricane Sandy, nothing is easy when it comes to resolving insurance claims.

That’s been the experience of Theresa A. Guertin, a partner at Saxe Doernberger & Vita in Hamden, who represents homeowners in disputes with insurers. More and more, she said, insurance companies are fighting against paying claims. “It can come down to the definition of a single word in the policy,” Guertin said.