Liz - argue with that insurance company. I know it's tough being out of your own home but do not settle easily. My brother lost a house to hurricane Charlie and the insurance company low balled him. It took him 7 months (awful I know) to get a fair figure, almost 40,000 more. He was able to finally purchase another home nearby and demolish the ruins, he now has the local school district interested in the land. Things do work out, it just takes time, unfortunately, lots of it.