What To Do When Your Home Insurance Company Won't Pay? 
Most insurance companies will have a second inspection criteria . It normally requires you to get a contractor that will agree that there is damage , and provide a written , detailed estimate of those damages to the insurance company . They should then provide a second adjuster to inspect the damage with your contractor . Worst case , you can contact your state Department of Insurance . They should be able to help . They are free and part of their role is consumer protection . 