Remember this always:
Insurance companies are not in the business of paying claims. They are in the business of collecting premiums.
Whenever you deal with a claim make sure you are well armed with facts and figures --blue book values, this, that, ads of comparables, etc.
It also pays to carry your attorney's card with you.
This paid off once when the city was digging up something on a major thoroughfare half a block north of me, fouled up, and flooded the basement of my apartment with sewage, ruining a bunch of clothes. books, and other (honestly) valuable stuff.
The city wasted no time in getting its adjusters out there. I had a pile of my ruined stuff in the front yard. So did all the other apartment dwellers. The guy tried to offer me a pittance and the numbers he was throwing at us individually were lo-ball. After pushing back and forth on the number for my stuff, I finally reached in my wallet and handed him my lawyer's card, said, "Here, talk to him," and walked away.
"No, wait, there's no need to bring lawyers into this," he said, and came up to within a hundred bucks of what I was demanding. (I guess it was so he could tell his boss, "I talked him into taking a hundred bucks less.")
Heh. Yup. He was right. There was no need for a lawyer.
Just the lawyer's card.
Terry, 230RN