...that shifted from a tornado.? We where hit by a tornado 3 weeks ago. Our insurance company keeps saying that we dont have 39,000 dollars worth of damage. But yet they want us to replace everything all the way across the front and down one side. The floor all the way thru the mobile home is messed up. The master bathroom is got to be redone completely. I need a new roof because it has a leak. But the adjuster says because she cant see a hole that more than likely they wont pay to have it fixed. Wouldnt it be cheaper for them to total it out? Should i take legal action? Sorry this was so long.