On 12/12/09, one of the water pipes on the 4th floor of our building burst. What goes up must come down, and I'm on the first floor. So, water fell into my bedrooms and living room.

I have renter's insurance and called them for help. An adjuster came to my apartment on 12/16 to see the damage. Everything was out everywhere ~ the flooding company moved stuff. The contracters had also come by to begin working on my apartment.

Anyway...the claims guy said the damages were minimal. I have a $500 deductible. While the water soaked my mattress, the claims guy reminded me of my deductible and encouraged me not to make any claims. Otherwise I have to pay the $500 before I get any money from them. I was devastated. The guy said that me & my girls could stay while the contractors worked on the apartment.

At that point, I gave up. I have multiple allergies to fumes, dust, mold, etc. and the claims guy didn't want to pay for anything! Thankfully, my apartment manager got a hold of an attorney that takes care of these kinds of things (?). That attorney called the claims guy and bawled him out 12/29. That day, the claims guy called me and began showing some interest. The contractors couldn't begin working on damaged ceiling, walls, or floors until someone took stuff out of my apartment.

I haven't stayed in my apartment, for more than 15 minutes, since 12/12 afternoon. Thank goodness my boyfriend has let me stay with him! Still, that claims guy keeps calling me and wants to know how things are coming. He wants to meet me with items I claim to be damaged by the accident, to go over things together, etc. He has a way of minimizing my claim and I'm questioning everything. I can't see this claims guy by myself ~ because I know that I'll give in, mostly due to my low self-esteem. I seriously need help & keep wondering why this man is calling me to ask all of these Q's! He could call the apartment manager, to find out how things are coming. How in the heck would I know? I can't go into the apartment yet. He's driving me crazy!

Am I completely over-reacting? Is this guy's behavior normal? How am I going to make it through?

Please write back with any advice, wisdom, or anything. I just feel LOST!! Thanks for reading my novel!