Ditto what bcipam said.

I'm a insurance defense attorney and I deal with this stuff every day. Adjusters have certain criteria they use to evaluate claims. Work with the adjuster; get as much documentation as you can to support your claim. Negotiation is expected. Be nice!! Remenber, the adjuster has hundreds of files and everyone out there wants something. Insurance carriers are obligated by law to deal in good faith when negotiating claims. I don't imagine you are up against a statue of limitation problem. Give youself a chance to work it out before getting an attorney.

Nina