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Have you asked these questions of your Agent? A quick call could answer many of these; thusly armed, you can better bargain with the insurance company. I've State Farm for my Insurance as well, they've never treated me poorly for any claim.
(you will likely be talking to an Adjuster next week - someone who has no connection with your Agent)
(you will likely be talking to an Adjuster next week - someone who has no connection with your Agent)