WOW!!!! Under COVID, my home water damage claim ha...

WOW!!!! Under COVID, my home water damage claim has been delayed since March 2020. Now the new adjuster says he is closing my claim. WOW!!! It is not my problem that the other adjuster quit her job and did not follow through. However this new adjuster, CARLO, is doing everything to not cover my claim. I have been living with mold waiting for the work to be approved. I currently pay more in home insurance than to my mortgage. WHAT AM I PAYING FOR?????