Boy, a lawyer in the family can be quite a good thing. My brother shared a bunch of angles with me on how to view the subsequent damage from the unclosed claim on 6/22. Once you start saying things like, "Who will subligitate? You or I?" the wheels of the insurance machinery do start moving.

I refuse to deal with the independent contractor RF that State Farm has used as the adjustor for my claim. Based on his erroneous information, I almost opened a second claim which would have put me at another $1,000 deductible.

I've dealt with incompetency at the agency level (agent told me one thing, his office worker told me another). I've dealt with incompetency at the preferred provider contractor company level (missing paperwork not faxed as claimed, missed appointments for emergency repair work). I've dealt with incompetency of the contractor's subcontractor (crappy inital tarp-work, grossly over-inflated bill, etc). On and on and on.

So as it stands, State Farm will cover under the initial claim the subsequent water damage from the crappy patchwork tarping done by the subcontractor. I am free of dealing with the Insurance Adjustor who wouldn't even consider these additional damages as part of the original claim. I have already contacted the roofer who will do the repair by the end of the week/early next, at least some of this will be taken care of.