Policyholders are often frustrated by the low values that insurance adjusters put on property items when depreciating them to set "actual cash value" before issuing payment. You can challenge excessive depreciation of your property by documenting the condition and value and/or by using a consumer-oriented depreciation guide. Here's one that was donated to United Policyholders by Robert Joslin of Hawaii Public Adjusters.
"I want you to know that I will be forever indebted to you and all of the other volunteers that gave so freely of their time to help otherwise complete strangers through a very difficult ordeal. I could not have come this far without you. Thank You"