Auto Insurance Claims: state farm claim, wood moldings, paint walls

Question
hi my name is enes im also here on allexpert member  as auto mechanic if you have any question feel free to ask.
NOW MY QUESTION IS I HAVE CLAIM WITH STATE FARM PENDING FOR BACK UP SEWER  MY WATER BACKED UP IN BASEMENT  AND FLOODED THE BASEMENT MAKING SOME DAMAGE  I HAD COVERAGE UP TO $10000 FOR LISTED ITEMS AND  DWELING COVERAGE EXCLUDING MOLD COVERAGE  AND $2000 DEDUCTIBLE  NOW I CLEAN ALL MY SELF THE DIRT AND WASH IT OF LIKE THE TOLD ME FROM INSURANCE THEY HAD NOT TIME TO COME OUT FAST .SO THEY CAME OUT AND DID NOT FIND  TO MUCH DAMAGE LESS  THAN DEDUCTIBLE  THE ONLY SAY THE CLEAN IS COVERED AND PAINT WALLS  BUT HE CANT SEE OTHER DAMAGE I HAD 7 INCHES OF WATER  BUT ALL THE WATER IS IN DRYWALL AND UNDER VINYL FLOOR WOOD MOLDINGS ARE DEFORMED  AND WOODED DOORS DEFORMED   BUT THEY SAY MOLD IS NOT COVERED SO THERE IS NO NEED FOR THEM TO PAY FOR DRYWALL OR FLOOR AND  OR OTHER REPAIRS HOW DO I MAKE THEM PAY THEY WILL COME OUT AGAIN TO INSPECT ANY TIPS WHAT I NEED TO DO OR WHAT TO SAY?


Answer
Hi Enes,

My area of expertise is in auto insurance not homeowners. However, I will do my best.

First, you are not trying to get them to cover mold, you are trying to get them to cover that damage to the wood, drywall, doors, mouldings, etc. You may need to gave a contractor come to your house when the insurance adjuster cones out so he can inspect and point out the damage to the adjuster. That way you have another opinion on your side.  If the contractor see the damage and can point it out to the adjuster then they will likely pay for the damage.

I hope this helps
Richard Hixenbaugh