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pathfinder-
One last note...don't get an attorney involved early...that is a declaration of war...in an insurance companies view.
Getting an attorney involved should be your LAST option...most insurance companies have an army of attorneys...they will file motion after motion and tie you up. You have one attorney, they will have a hundred...I like Davey Crockets chances at the Alamo better.
Also, your State Insurance board will be absolutely useless, they have very little authority and one complaint won't even be a pimple on thier ass. Plus they will take a strict interpretation of the policy...you may as well try to piss on aforest fire.
Im going to bed.
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