An insurer is obligated to pay out what the policy (which is a contract) requires it to pay out; it is also obligated to deal in good faith with its insured. If you beleive it either is violating its policy obligations and/or is acting in bad faith--which includes not offering you what your property can be proven or demonstrated to have been worth--you could sue them to get them to honor their obligations. You may wish to consult with an attorney about this case, to see what additional amount you may be able to seek and what it would cost to pursue the case.