Business ProfileforDavid Reidenbach Insurance

Hello. I have Farmers insurance policy #*********** with $32,000 building coverage for my townhouse. Also, I have insurance with *******/OKSNEE though *****************************. This insurance calls itself "primary", but only after $30,000 damage. All this information I had provided to my Farmers insurance agent at the time of the renewal of the policy. This summer I had water leakage from the second-floor bathroom. I filed claim with Farmers, I provided them with estimates, they promised to pay. Total bills were $3,630 for clean-up and $10,100 for restoration of the ceiling, walls and vinyl floor. Farmers paid $10,000 and refused to pay the rest claiming that this is responsibility of the *** insurance. But *** insurance refused to pay because the damage is less than $30,000. Both companies refer to some phrases in their policies, which I was not aware and do not understand. After whole month of negotiations with two insurance companies I paid $3,630 because ******************* threated me to file collection. This year I paid $1,200 premium to Farmers for $32,000 building coverage, and I pay *** insurance monthly. I was punished for having two insurance policies with amount equal to my two-month SSI (I am 75, for me it is elderly abuse). I think this is unfair, and I want Farmers to refund me $3,630. Thank you.