Horror is so hard to do properly especially since insanity rules + low character survivability tends to make some people decide to do the absurd once they know their character's are about to bite it. Ie, in one CoC game a character decided to pull out and light a stick dynamite when he heard scratching sounds coming from behind a door only to end up killing an NPC Porter and his dog who was returning with the group's luggage (after being missing for a half an hour)*.
*Of course, as far as we know he could have been possessed