Sorry to hear about your situation. I have learned not to take the first thing an insurance company says very seriously. A customer of mine who works in a hospital says that nearly everything they submit to an insurance company is denied the first time. They submit the same thing again and it is approved. They are just hoping that something will be forgotten or lost before they can submit again.
A few years ago, I was involved in an accident that wasn't my fault. It was a hit and run, and the cops were able to track her down. The insurance company said my car was totaled and offered $2,800. I argued and showed them pictures and receipts that showed the beautiful condition of my car, even though it had a lot of miles on it. They came back with $4,400. I still argued, and went to my doctor about shoulder and neck pain. The doc said I didn't have to pay for the visit, because he could submit it to my car insurance company. A week later, my insurance company offered my car back and approx. $11,000.
Funny thing is that I oh asked for $8,000, which was the repair estimate.
SOLD! - 1984 Scamp 13 in Maryland.