Hurricane Ida Recovery

Hello

I live in Houma and had a lot of damage from Hurricane Ida. Southern Fidelity made first payment 31 days after field adjuster came out. I did see some posts mentioning 30 day mark required for payment but I thought the insurance commissioner extended it to 60. Any insight?

I was having extreme difficulty with my desk adjuster. Would not call me back or email me back. No correspondence whatsoever following initial payment. I must say I received more than enough to start interior - $50,000 but my mortgage company is holding it. I was trying to get mold mitigation estimate approved with no luck. Just last week I paid out of pocket $5000 and praying I get reimbursed. Roof is done. Home completely gutted. Can I start the Sheetrock with exterior siding and vapor barrier missing?

Issue… on October 29, I signed a contract with a public adjuster. They have not completed their estimate. And now they will not reply to email request for an update. I was told on November 30, completing repairs without insurance approval could result in them not reimbursing. Example… 10 window replacement = $5300. Insurance only gave me $1000. Vinyl siding estimates running anywhere between $15000 - $21000. Insurance sent about $5000. I feel like I can’t start sheetrock until siding is done but at this point, we might have to.

Any advice? Kind of nervous to complain to insurance commissioner about PA - if it’s even an option. If they cancel the contract and they can for any reason… I will owe them for any work they’ve done even if it doesn’t consist of increase to my claim amount. November 30, PA said estimate should be done in two to three days. Last Thursday, they said estimate should be complete by Friday. Tuesday I asked for update and asked if mold mitigation invoice was sent to insurance company. No response. Today sent email saying I know how busy they are but to not receive any response is disheartening. No response. Do I need to ease up and trust this process?