So we talked to so more people who are going to help us with important documentation such as the Proof of Loss that has to be submitted. The reason we need help is this is one of the most important forms. It has to be 110% perfect. It may be necessary for a future step that we might need to do if we can't get the insurance company to come up to our level.
We still need money and they don't want to pay. Therefore we might need to sue them before the deadline passes for us near the middle/end of February. Obviously we don't want to do that for many reasons. The lawyer would get 1/3 of the settlement. Not only that court cases can take awhile. Especially if the insurance company loses and then appeals. Not only that the Proof of Loss has to be perfect for a court case. If there is even the smallest mistake the case could be thrown out and we'd be screwed. (Even more than we have been.) The proof of loss is one pretty much a $1,000 document for a reason. It isn't the only $1,000 document we've had to pay out of pocket for either.
Anyway, while we were talking to the guy today we noticed our neighbor's dock was a few inches lower. It is starting to collapse a bit. Needless to say it has to be taken care of for the safety of even our own dock. We will be calling them tomorrow to let them know what we saw.
The quest continues...