That's a pretty good point about the commissioner—I've seen it work wonders for some folks. But before you jump into that, have you checked if there's any wording in your policy about partial payments or coverage limits? Sometimes insurers aren't exactly clear upfront, and a quick re-read can clear things up. Either way, sounds like you're doing all the right things by keeping records and staying organized...hang in there, you're definitely on the right track.
Maybe I'm missing something, but is going straight to the commissioner really the best move right now? I mean, have you tried pushing back directly with the insurance company first? Sometimes just asking them point-blank why they only covered part of your claim can get you clearer answers than digging through policy wording. Policies are written to be confusing anyway, so even a re-read might not help much if you're new to this stuff (trust me, been there).
Also, have you considered a public adjuster? A friend of mine had a similar issue—insurance approved only half of his roof damage claim. He hired an adjuster who negotiated directly with the insurer and ended up getting almost the full amount covered. Might be worth looking into before escalating things officially.
