You have a right to complete replacement value and you have the right to tell the insurer that it must provide you with proof that your replacement value is inaccurate after you provide them with proof of the value of the statute. The statute of limitations
is 3 years to bring an action for the damages. You need to provide them with an appraisal of the statue and keep arguing with them. If they do not provide you with proof of where you can get the identical or comparable statue for less, then they will have to pay the cost and you may have to sue them for it.
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