I’m an insurance agent and I’m constantly frustrated by shit agents and shit companies giving all of us a bad name. Not that I always agree with the decisions from our claims people, but they generally try to be fair. I’m assuming this was long enough ago that it’s too late now, but for anybody else reading this who runs into a similar situation, you may have some recourse.

My first stop, if I have a local agent, would be their office. I would calmly and politely (agents don’t make coverage decisions so it isn’t their fault) explain the situation to them. They have a vested interest in keeping their customers happy and they may have access to claims supervisors who can make it right. They probably don’t want to lose you as a customer, especially over such a small claim.

If I’m still not happy, I would start pestering the adjuster to talk to their supervisor. Don’t be rude, but be persistent. Call every day. Leave messages and emails until you get the supervisor.

If they won’t give you a supervisor or the supervisor is no help, you can go above the claims department. It’ll be different for each company, but look for contact info for the “office of the president” or something like that. In my experience, those calls always get looked into by someone who has the power to really ruin your day as an agent or claims person. If you get a call from them, you had better either have a good explanation for why you did what you did or fix it in a hurry.

As a last resort, check with your state’s insurance department. You may be able to file a grievance.

I take claims practically every day and I can’t imagine this not being paid. I’m not sure why it would even be questioned, since it’s your first claim and it’s not huge. Could be that that particular adjuster is an idiot or on a power trip, but it’s also possible that the company is just shady.