We recently had a pipe burst, flooding out lower floor and ruining the hardwood. State Farm was very quick to send out one of their adjusters, a nice woman with a clipboard and a pencil. The woman poked around, took measurements and left -- in about ten minutes.
Roughly a week later, I received a check for roughly six thousand dollars. Nice, except that the damages were way higher than that.
I immediately called the State Farm adjuster, and faxed her a notice describing everything her "field agent" had missed, including three rooms and four walls that were heavily damaged. But then I went even further, calling in floor and wall contractors to estimate the cost of repairs. Each contractor came in with a bid three times higher than the State Farm amount.
I faxed those estimates to the State Farm offices, too. They decided to send out their own contractor, who submitted his own estimate, which was only twice as high as their original.
Within four more weeks, I received another check from State Farm, which actually covered the damages in a non-fiction format.
Moral of the story: Get everything documented, keep copies and show them you mean business. It is, after all, just a business to them.