The insurance company has "lowballed" their offer. We do not have an attorney do not want to hire one. We have replacement cost policy, actually we have top of the line policy.... replacement with no depreciation, clause with extra 25% if replacement is more then policy amount and so on. This is where the claim stands As follows:
Policy amount -dwelling- 109,000 ( with 25% clause)
policy amount- contents-75,000
dwelling-98,000 (rebuild actual cost 135,000 to 145,000)
contents- 6,500 (claimed 12,000)
Should we refuse? If so, how do we go about getting them to pay what we paid premiums for?