Answer

What you should do is gather as much proof as possible of the property was stolen, photos, receipts whatever you can gather. Also, you need to obtain proof of the value of the items. You then need to make a written list of everything you feel you are owed and send a demand to the insurer for payment within 30 days of your demand. If they do not settle, then at this point you would want to consider engaging an attorney to sue them for not just recovery of your money owed, but for damages and attorney's fees for them being in bad faith in not paying your claim.

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