<prompt> Human: Hello rpersonalfinance! I am looking for advice on how to proceed with my homeowners insurance situation. If there is a better subreddit to post this in, please let me know. Here is the sequence i couldnt stop writing, sorry for the wall of text:1. My kitchen sink stopped draining. The water would not drain at all. It was 100 clogged.2. After i could not get the drain fixed myself, I called Roto-Rooter and they came out. The technician worked on the clog for about 30 minutes. He said that my kitchen floor floor will have to be broken up and the pipe will have to be replaced. The floor is ceramic tile on top of a concrete slab. The technician called for his manager to come to my house.3. 1 hour later the Roto-Rooter manager arrived. After looking at my floor he said, Yep, that drain pipe needs to be replaced. He said he will come back the next morning, Saturday, and that he will bring someone from roto-rooter who works with insurance companies in situations like this.4. I called my homeowners insurance company, State Farm. I began the claim process and I was assigned an agent. I was given his telephone number and a claim number. 5. Saturday the Roto-Rooter manager and the Roto-Rooter insurance guy came to my house and they both evaluated the situation. They told me that it would cost me 3700 to have the pipe replaced. That included tearing up the tile, concrete, removing the old busted pipe, installing the new one and then pouring concrete back into the hole. They said that they work with State Farm all the time and that State Farm never pays for these kinds of repairs up front. The Roto-Rooter guys said that I will have to pay them the 3700 first and that State Farm will reimburse that money and that State Farm will also pay 100 for re-tiling the floor.6. At first I was confused about what they were saying. I initially thought that I would have to pay the 3700 out-of-pocket and that insurance would only pay to re-tile the floor. The Roto-Rooter Manager and Insurance Guy assured me that State Farm would pay me back 88 of the 3700 and that State Farm would cover 100 to re-finish the tile floor. They do this all the time.7. Based on that conversation I agree to pay for the work. Roto-rooter came to my house Monday morning and fixed my plumbing issue. I gave them 3700.8. While they were doing the work on Monday I called my insurance agent and left a message inquiring about the claim. I left a message as there was no one in the office when i called at 9am Monday morning.9. State Farm did not get back to me for 3 days. Actually, they never returned my call. 10. I called State Farm again this evening and got a person on the phone. She told me that my insurance policy does not cover this kind of work because the water had not damaged anything. They called the work maintenance. 11. I asked to speak to a manager. I waited for 10 minutes on hold and was then told that no managers were available. They said they will call me in the morning.Has anyone out there been in this situation? How did it conclude? Any advice? Am I in the right subreddit for this question?  <response>: It does sound like maintenance to me. It seems that roto-rooter mislead you. 