[TonyMadrid]

Great Comments by most of the guys!

However, I just gave your dilemna some thought and the following came to mind.

Insurance is protection against specified hazards. Basically, all an insurance company's responsibility is, under just about any policy, other than a stated value policy, is to make you "whole again". This is a basic tenet of insurance. You may have to argue that all you want is to be placed back in the same position you were in prior to the loss occurrence.

Tony