Tornado claim in Mississippi - state farm tried to lowball but I won

Had a tornado touch down near our property in April, took out our detached garage and damaged the roof. State Farm initial offer was $12k, actual damage was closer to $40k.

What worked: Mississippi law requires insurers to pay the cost to repair to "like kind and quality." Got a contractor to document that repairs would need to meet current building codes, which meant upgrades. Public adjuster helped but even without one, citing MS Code 83-9-5 helped move things along.