Steve I feel your pain. I'm sure what you are describing is horrific. Being I went through this also, not to the extent you did, I just want to share how it went for me. Again Insurance agent was State Farm. There on call agent for fire called me and said go get a hotel, 3 meals a day and don't worry we will cover it. I told him I was ok in the house. The adjuster showed up the next day at 9 am. We spent 15 minutes together and I left for work. He had the whole thing worked out with claim by 3 pm. It was actually a document sent to me. Every spelled out correctly and a value on the claim. I was amazed. Don't ever try to cheat on square footage, they had satelight pictures of my place and and square footage. You must be dealing with a pretty crappy company. Sorry for that.