Oh I am sorry to hear that!
You mention this was an insurance job; normally the adjuster will deal with a contractor when the contractor is in breach of the contract. Basically, when a contractor agrees to do a job for a set price, the contractor is obligated to finish the job, and the homeowner would pay per the contractual terms (or the insurance). If the contractor fails to finish the job, the homeowner can sue for breach of contract, and normally the court will award financial damages (ie money paid to a third party to complete the job -typically it is more costly to have 2 people complete one job).
A complaint can be filed here:
If a formal complaint is filed (you mention a county inspector came out and deemed it was not finished but at the state level they will open a file and make a determination as to the proper remedy and then disburse bond money if appropriate) then the homeowner can seek recovery from the contractor's surety bond that is on file with the state; this is allowed after the department rules in the homeowner's favor.
However, since insurance is involved, the homeowner should not have to deal with this; rather that is the job of the adjuster. You can contact the state insurance commissioner:
Normally if the adjuster knows that a customer is so dissatisfied with the process that they will file with the commissioner, they tend to prioritize that case and follow up with the contractor or hire a third party contractor to complete the job.
It is best to have documentation of everything, (ie dates of phone calls/communication) and then a summary letter of demand detailing the events and the requested relief-
Instructions on how to write a demand letter, with a template, here:
Further questions? Please post here to continue the chat.
Satisfied? Kindly rate positively so I receive credit for assisting you. I hope that you feel I have earned
5 stars *****
as I strive to provide my customers with great service.
(no additional charges are incurred).
Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.