I would document every conversation about this claim, who u talk to, when, what was said, your loss. Keep track of everything if you are unsatisfied send a complaint to the KY Insurance COMMISSIONER. I had a problem a few years back where my daughters auto was hit and the guys insurance sent her a check for half the amount to fix it. They told me that is all they would pay due to being an older truck, I sent all info to State Insurance Commissioners and with in a week the insurance company called from home office to verify address to overnight check for the full repair. They think most people want stand there ground. Complaints to the dept. of Insurance are not good for them, let your tax dollars help you with this. When talking to them ask for everything they tell you in writing. You can let them know your are filling a complaint to Insurance commissioner.

Good Luck!!!

Terry

http://doi.ppr.ky.gov/kentucky/