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If there is a point in your claim process where you feel that you are not getting the full amount for damages or if your insurance company denies your claim fully you still have recourse. You or your insurance company can call for arbitration. Arbitration consists of 3 arbitrators (one you pay for, one they pay for, and the third you split the costs for) who will then review the claim and decide what action to take. The arbitrators' decision is final. Neither party can influence this decision. It will take at the very least 30 days to come to a decision. Ultimately this will lead to you looking for a new insurer no matter the outcome.