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homeowners insurance

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how long can an insurance co. control your life, before they settle?
are public adjusters really what they claim, or they in it for themselves?
I live in Ohio, lost my house to fire, about 5 months ago,the only thing that has been done is i recieved 5000.00 for living exspenses , and they paid my morgage.my financial situation is really starting suffer.but no one seems to care.should i seek legal assistance?
 



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