Justin Dunavant never thought much about homeowner’s insurance — not until January when an SUV ran three stop signs and barreled into his Alice home. Since then, the contractor and U.S. Army veteran has struggled to think of much else. Severe structural damage and harmful asbestos dust loosened by the crash left his red, one-story home unlivable. And months later, his family — a wife and three kids — is still living in a Holiday Inn due to a squabble over his insurance claim. After his insurer rejected repair estimates from several adjusters it sent over to assess the damage, Dunavant hired his own adjuster, he said, and the insurer low-balled that estimate, too.