I must agree with the above poster, your insurance company is screwing with you. Your comprehensive should cover this. Be polite, and firm in having them make a closer inspection. If they do not budge, let them know you will contact your state insurance commisioner's office, and make a complaint. Then in fact do exactly that. All this may take a few days to a week or two, to get the insurance company to start moving. If they are still dragging, then tell them you feel you are not being treated fairly or honestly, and if they willl not negotiate, then you will be compelled to contact an attorney. Then do that, if you must. (best would be to get a buddy who is an attorney to make a call to your insurance company for you, and not to your agent, but to the claims adjuster).