Unfortunately, I’ve had the occasion to represent a number of folks [with damaged homes], or who lost their homes in the Four-Mile Canyon Fire, that happened near Boulder over Labor Day of 2010.
In a survey conducted by an independent, non-profit agency, it was learned that over half of those people who lost their homes in the Four-Mile Canyon Fire believed that their insurance companies lowballed them on their reconstruction estimates – and on their personal property estimates.
You do not have to accept the insurance company numbers. Go out and get your own numbers. Go out and get your own appraisals.
Again, no matter how the insurance company may make you feel, you are not obligated to accept their numbers. Be an advocate. Be your own best squeaky wheel.