Man, I sure wish things were like that here in NC.  But insurance laws are crappy.  My insurance company is not covering for anything.  I have tried contacting them and there is no help there.  It is amazing we pay them so much money for nothing.
I have contacted a lawyer and they are researching the information that I gave them so I don't know how long that is going to take.  We will see.
When I talked to the insurance adjuster and said something about the state comissioner, she pretty much laughed at me and said nothing was going to grt done if I called them.  That basically they will get a complaint of somebody that is not happy and that is it.  I don't know if that is true or not.  I guess we will see about that too.
Thanks to all of you guys for replying.  Just let me know any information that you might have or find out.  I will keep you posted.  

)