09-09-2020, 03:02 PM
It depends a lot on your state.
If you didn't have an independent adjuster perform the initial estimate, consider consulting one. You want the adjuster to work for (and represent) you with the insurance company.
If your state has strong consumer protections, contacting the insurance commissioner may also be worthwhile. I would avoid lawyers as long as possible, because it's rare to recover legal fees in these cases and every dollar taken out of your settlement is a dollar you don't have to rebuild.
If you didn't have an independent adjuster perform the initial estimate, consider consulting one. You want the adjuster to work for (and represent) you with the insurance company.
If your state has strong consumer protections, contacting the insurance commissioner may also be worthwhile. I would avoid lawyers as long as possible, because it's rare to recover legal fees in these cases and every dollar taken out of your settlement is a dollar you don't have to rebuild.