Hellz yea, tell them you're going to speak with a lawyer / looking into filing a DV (Diminished Value) claim. See what they say. This whole "insurance game" is all a big bluff on who is the biggest bullshitter. All you need to do is show them you're cognizant of the law and your legal rights, and they'll pony up. Otherwise, you take it in the ass like most people who don't have the time, knowledge, understanding, ability, or any combination thereof to fight with the insurance company.