Ask for a certified copy of your policy. Look at what’s covered and what the exclusions are. Pay attention to the definitions of different terms as set forth in the policy. If you think it’s covered, ask for a written explanation of why it’s being denied. If the adjuster won’t give you the reason in writing, ask to talk to the adjuster’s supervisor. You should be able to get the reasons in writing. If you still think they are wrong, get an estimate to repair the problem. If the policy has a clause that requires arbitration, you’ll probably have to fight them in arbitration. That is better anyway because it is usually faster and cheaper than district court. If there is no arbitration clause, you’ll probably have to sue them in district court. If they won’t provide the reason for their denial, contact the state insurance commissioner and lodge a complaint.

A group of us fish ice out pike on St. Joe and we have the best luck with Little Cleos.