On July 30, 2010 I walked into my home in Bay St Louis, MS and found that a pipe had Burst in my bathroom. From the very beginning, the adjusters started playing numbers games and laying fault for the structural damages on me and my property. Fact were just the opposite. First Safeco threatened me with an Insurance fraud Investigation and then a Criminal Investigation. I stated to them to go right ahead and to take their threats and show them. Then came the Phony Engineer from Rimkus Engineering. His report had no factual Engineering data but it was designed to deny my claim for the damages. I countered by hiring an Engineer and his report was complete yet they denied my reports validity. The came loss of use and denial of the replacement of the floors in both my kitchen and bathrooms plus using construction data that was out dated. The first check I received was in Mid August of 2010 for $17, 248 which there was no way I could do even the work they had specified for. These monies were used on the Structural Renovation which was part of the $27, 500 I spent. The last check was for less than $19, 000 to renovated the interior plus add in a kitchen and a bath. Currently I am $25, 000 shy of finishing my house and they are now denying me loss of use of another $12, 000 but offered me $4, 500 if I would go away. Safeco has the Mississippi Insurance commission on their side and they will not protect the citizens of the State Of Mississippi. They allow Safeco to charge 4 times the rates that were before the storm of 2005 and they do not honor their Policies.