[MrIcky]

**I am editing this post because I'm way to long winded when I type**

Don't make the mistake of thinking this is a customer service matter. It's not. It's a legal matter. The BBB can't do squat. You want to talk to the DoI. They will confirm what the insurance company is required to do for you. Technically, the insurance company doesn't owe you for any rental until it's actually been incurred. They really don't even owe that until they get a court decision, however that's bad business because you end up in court to much. They should pay you for a rental with no issues unless your actions caused an unnecessary delay. You'll have to prove all delays were necessary and in so proving, you will effectively be arguing against your own dimunition of value claim. Talk to your DoI and find out what your state laws are on Dim Claims before you talk to anyone. Many places will require you to actually realize a loss before you are owed a dim of value claim.