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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.
I would file a complaint here with state board of insurance.You may have to threaten to sue your own insurance company here.You have rights in this matter.
They have not adjusted this fairly here.You deserve to be paid for your loss and you sue if you have too here.
I appreciate the chance to help you tonight.Thanks again.
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Lawyer to sue them here