Since GRM is the land of all knowing.
Back in May we had a huge windstorm go through and take about half of the top layer of shingles off our house. We submitted a claim, (as did just about everyone else this side of the state), and a traveling adjuster came out, and he totaled the roof out.
The issue is the insurance company, Farmers Mutual of Nebraska, is about 5-6,000 less than what quotes I'm getting from roofers. I've had 4 quotes and they're all within a thousand of each other. I tried to call the insurance company, but was told by the claim office to talk to my adjuster, but he was long gone by then. I tried to go through my broker, but was then called back by someone else who very rudely said, the claim amount was correct, they only cover one layer of shingle removal, and that it is what it is. I then decided to get a few more quotes, and they all said they've never heard of them not covering the whole amount of removal.
My issue now. I made that claim the end of June. It's taken this long to get the roofing quotes and just dealing with everything. I cashed the check because I had kind of given up before I talked to the other roofing companies. Nowhere in my contract does it say that they don't cover multiple layers of removal.
Am I up a creek here because I cashed that check? Am I wrong in my thinking here that they should be able to cover more? This was my first time dealing with home insurance, so I'll admit I'm a naive about it.
Just looking for someone to offer a little advice I guess. Thanks!
