Well, I found an apartment. I visited it, and it's nice enough. I handed everything over to the adjusters to handle all the details. Key detail: will the renter accept a 9 month lease?
The private adjuster I hired is also ... a contractor! Imagine that! He asked me to stop by his office today so we can talk about "the next step". The next step includes hiring an architect because, as I understand his explanation, only architects can hire contractors when a house needs to be rebuilt. The private adjuster drew up papers that gave him the go-ahead to get started with the renovation work on the house. I didn't sign the papers. Instead, I told him I wanted to have some other contractors bid on the project as well. He told me that other contractors might not have the skill required for the job --this is _fire_ reconstruction, you know, and that's a rather specialized talent.
I told him I wanted to have some other contractors bid on the project as well. He told me that other contractors would not be willing to put their own money up front for the reconstruction -- they'd force me to close my claim with the insurance company so that I could get my settlement. "And then what heppens when they open the wall and discover more damage? Your claim is settled! You're shit outta luck, scuse my French. The insurance adjuster is gonna say that to your face. In fact, Fred, the adjuster we're dealing with -- I know him. He'll laugh at you first, _then_ he'll tell you too bad."
I told him I wanted to have some other contractors bid on the project as well. He said that was a good idea. In fact, he encourages all his customers to get second bids.
So things are moving along, maybe. I have an apartment. Maybe.
I do have a copy of the policy, which I picked up from the mail today. I'm currently at a library computer, but when I get back to where I'm staying I can open it and read it at leisure.