Homeowner's insurance paying too little on storm damage. What can State Insurance Commission or a lawyer even do?

[macphanatic]

Don't sign anything and don't cash the check. Read your policy to see any specific deductibles or exclusions. Some policies may have specific deductibles for certain perils.

Then call them to discuss. If you don't get an acceptable answer, speak with a lawyer. Just make sure that it's one that deals with insurance issues. Lawyers, like other professions, are not jack of all trades.