If the insurance company’s offer is substantially less than what you think is fair, negotiate.
Review the reasons for the disagreement and understand the insurance company’s rationale for its position.
Back up your demands with reliable proof. If the adjuster does not agree to settle the claim for a reasonable amount, speak to the supervisor or manager of the claims department.
If you are unable to come to an agreement with your insurance company, you should consider mediation services. Mediation, unlike arbitration, is not binding. It is an attempt by another party to facilitate resolution of a disagreement.