So, I got a call yesterday from John Niemeyer, insurance adjuster for American Family. He had been out of town all last week for a funeral - his 2-year-old nephew wandered into a pool area and drowned. He wanted to update me on several items. One was that he had spoke with Mike Blanchard, Aurora Fire investigator who has still not determined the cause of the fire. He has deemed it accidental with undetermined origin. John has a theory that the electrical meter may have been the cause. He was very concerned at how charred and destroyed the meter was inside and thinks that something malfunctioned in the meter, blew the glass cover off and sparks from the inside of the meter caused the fire. I mentioned to him again that the power went out for a couple of hours on Monday and that for the last month or so when the heater kicked on, the TV had been making a popping noise. I had no idea what might have been causing the popping and had mentioned it to Chris that I should probably have someone look at it but wasn't even certain who to contact. Anyway, I had to give John two recorded statements - one regarding the fire and another regarding my level of insurance coverage. Turns out that I am approximately $125,000 underinsured on the value of the house. John advised that he took a recorded statement from Steve on how he determined the value of the house. Steve used a software program and came up with an exact value on the house of $123,100. Best estimate on replacement is $225,000. John was quick to say that Steve did nothing wrong and that he will request reformation of the policy in order to cover the loss. He advised that what might be required is for me to come up with the difference in premiums from inception of the policy to date and the value of the policy would be changed to what it will actually cost to replace. He also told me off the recording that he had done these before, the software was faulty and that Steve had done nothing wrong. So - here is my question. When I bought the house, or was in the process of buying, I sent Steve the appraisal that I received that clearly stated that I was paying $129,000 and that the comps were between $168 and $186,000. Why would it be left up to me to pay the premium difference if they screwed up? Should I even be concerned with the amount of the difference in premium if they replace the house with a new and better one? I asked John how many deductibles they were planning to hit me with and he confirmed that there is only one - for the replacement of the house and not 3 for the three "buckets" of stuff - possessions, temp living and replacement of the house. John is saying that the premium difference will be less than $1000 but I guess I don't really agree with why I have to foot the bill for their mistake. He also told me that I have $92,400 on personal property and that his initial assessment is that we will exceed 80% of that based on the fire. Apparently that is also where the asbestos abatement money is supposed to come from - and the left over 20% is not near enough. Does that mean I will not get replacement of my possessions????? I was told not to worry about any of this and that it would take him approximately two weeks to get the decision from management on whether or not they would approve to reform the policy. Donnelle with ICA is supposed to have someone go over today and pull out the furniture (deja vu - I was told this two weeks ago) Dad made to see if it can be recovered. I am somewhat at my wits end and now second guessing how great I have been treated so far. It is almost like I have been wooed and the really ugly stuff is about to begin. John mentioned twice in the unrecorded portions of the call that I just needed to trust him and that he had dealt with these issues many times and would make certain all was handled in a just manner. Should I waiit and see or is it possibly time to find an attorney and take the chance that he will become wealthy and I will have a suitcase of charred shit to show for the last 58 years? Thanks for your advice Kathi