Understand what the arbitration process like within your insurance, what your rights are and there obligations. Then you know your options.
Your insurance company is incentivized to settle the claim for the lowest possible value quickly without spending resources on appraisals, arbitration, or even just call center time. So they have a nice person who is just trying to help get you money so you can move on.
They have a number internally that they will settle for that is greater than the number currently offered. So you need to negotiate until they no.
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