If you are still having issues coming to agreements with your insurance company, you may want to hire a public adjuster. The public adjuster works for you, and their job is to get you the maximum compensation for your claim. But, they do charge for this service (I believe the maximum they are allowed to charge in New York is % of the claim). They are experts in this area – both in knowing what needs to happen to repair your house and in dealing with the insurance company. Often, they will find you additional funding that will justify their costs. You can find one at the National Associate of Independent Insurance Adjusters .