Pacific Specialty Biggest Rip Off Since Bernard Madoff Internet

I'm a contractor who has dealt with a a few claims threw PSIC. First consumers beware if you signed a DP1 policy this is the biggest scam since Bernard Madoff. As typical with any type of claim we met the adjuster from PSIC at the property where we measured and compared our views of the damage. AT NO POINT DID THE ADJUSTER INDICATE THIS IS A NON-RECOVERABLE DEPRECIATION POLICY. So the claim is turned into our office and put into an industry standard program that calculates measurements and gives current market pricing based on the current petrolium rates. Once this is completed usually the price is a little higher than the estimate given by the insurance. At this point we contact the insurance company and get approval for these numbers from a claims agent prior to starting any work. AT NO POINT DID THE AGENT INDICATE THIS IS A NON-RECOVERABLE DEPRECIATION POLICY. Once the work is completed we have it inspected by the city and gather all info on the claim (permits,pics,receipts,notice of inspection,etc.) and forward this information to the claims agent so that they can release the RECOVERABLE DEPRECIATION to the home owner. As sure as sin created the devil on a remaining $7,000 job the home owner receives a check for $323.56. WTF! Excuse my language but seriously here folks not only do I have to pay the crew that worked the job but the initial check from PSIC barely covered materials and transportation. So after speaking with the home owner and picking up my enormus check I had my office staff contact PSIC to find out when they would be releasing the remainder of the money. AT THIS POINT (job totally completed for 3 weeks) THE CLAIMS AGENT ANNOUNCES THIS IS A NON-RECOVERABLE DEPRECIATION POLICY!!!! HUH??? I contacted the home owner who told me that this was the company his mortgage company made him sign up with when he purchased the home & that he had no idea what kind of policy he held. So again I personally contacted PSIC and asked that the call be escalated to a manager or supervisor, a young lady by the name of Debbie although extremely pleasent but firmly let me know that nothing can be done to recover this money and basically as a contractor I should have gotten cheaper materials and hired cheaper labor because she is more than sure that another company could have made the first check work. Wow! As a small business owner $7k is a lot of money and to charge this amount back to the home owner would be unfair and ridiculous. I tried contacting DORA to make a complaint but as a contractor they would not accept my complaint and asked that I have the home owner make the complaint. This is a tedious process that requires time and effort so to ask my client to take away from their personal time to recover my money also seems unfair to the home owner. MY BEST ADVICE IS STAY THE H**L AWAY FROM PSIC IF YOU VALUE YOUR BELONGINGS AND HOME.