Flood in condo. Santa Monica rules are killing me

[Julian L.]

I’m not sure if I want to vent or ask for advice...

My condo had a substantial flood on Thanksgiving, Nov 22, due to a main line pipe underneath the building getting backed up.

There is significant damage and the unit is unlivable. Per Santa Monica rules, I am required to provide similar housing for $165/day.

I required my renter to have renters insurance, however it’s only $1000 (my first mistake). 

Secondly, State Farm is taking their sweet time. The adjuster said there was only $3800 in damange but all of the bids I’m getting from contractors are between $15k-$20k. 

So, I’m fighting with State Farm. They have no urgency and each day that passes, I’m required by the city to pay $165/day to rehome my renter.

In addition, the pipe that broke is the responsibility of the HOA. They offered to pay the emergency plumber bill ($580) but say they won't pay for anything else.

I am out thousands on this. Any advice or words of encouragement?