Great advice from Anthony and other members..... Document your claim...fllood them with paperwork and estimate, pictures following along the lines Mike spelled out and Anthony elaborated on. Your adversaries are very limited on time and are not even equipped to adequetely respond in kind to your paperwork. They have you talking to an answer machine...put it all in print...... the old fashioned way. After any conversation with them ..follow-up with a letter to specifically dispute thier views with facts and reality.