Never really had a problem with insurance companies, and actually, have had some pretty good experiences over the years. For example, daughter crashed her car a year or so ago.. Insurance company (state farm) totaled it and gave us over $3000 more than what we paid for it 6 months earlier.
Only bad experience I've had was after hurricane Andrew.. and it wasn't over the amount, but the length of time it took to finally get the settlement. Eventually got the full face value of the policy, and could have got more if we provided receipts showing we went over the face value amount (replacement policy from Allstate). In the end, it worked out great as we sold the house as-is, took the money from the sale plus the insurance money and purchased a much nicer, much larger home.
Keep on them.. unless you are dealing with some small time fly by night outfit, they will usually do right eventually.
Cheers,
Brad
