Husker,
Good ideas of the Insurance Commissioner and the BBB. I had neither of those pass through my mind as options/help for the situation until you mentioned them. Those will be my first two things on my morning's To-Do list.
I guess my next move would be to sit down and re-read through our insurance policy, all the fine nitty gritty mubo jumbo of legal speak to find more information on the topic.
Thanks,
Adam