Andy not entirely true. Some states it's illegal to make a lowball offer for an insurance settlement. That's the law here in MN.
For the OP, if need be sue. I'm not big on giving that advice. But most often for a low buck claim like yours the insurance company will settle long before it gets into a court room. They don't want the bad press especially when it's going to make them look really bad. Plus it's going to cost them more money fighting it than just paying what is due. As an adjuster I would have at least set down with you and tried to negotiate. Bottom line they owe you a grain bin and corn crib in the same condition as the ones destroyed, removal of the old ones and repairs to the land if say there are any ruts that now need to be filled in and reseeded. Bet if you hired removal (and you should get estimates) of the bin and crib plus clean up it will be more than what he offered for the loss. If an adjuster tries something like that with me I will really bend over backwards to stick it to them. Just maybe with the next guy he will try to be fair.
For what it's worth, adjusters often forget they are the ones who are supposed to bring you back to where you were before the loss. They deal with so many people trying to scam the insurance company it's not funny. When I first started out I dealt with the aftermath of some really bad storms. In my first 10 days fully 1/2 of the claims I worked on were fraudulent claims. Anything from claiming old school electronics as new with inflated value to an arson fire from a club owner who was going broke. An adjuster can become jaded very fast. They start looking at anyone filling a claim as a bad guy trying to rip off the insurance company. Most often the insurance companies are not going to prosecute a small time fraud. That gives them bad press. They inform the claimant that they have proof of fraud and are just denying the claim. That too drives an adjuster up the wall. You worked hard to try to be fair to both the insured and the company. You found evidence of fraud and the company lets it go.
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