crappy Mike.
Do not let insurance off the hook, you need to be assertive!
i was robbed. i had no receipts, no pics. But i had contents insurance for 25,000. (rental house at the time when i moved to Calgary). We just arrived and assume the thieves exited in mid thievery.
Insurance took care of me except for my coin collection, a jug of change, 50x$2 American bills, a awesome heavy duty big American Flag with 49 stars (pre Hawaii). i also lost an antique gun that they gave me replacement value for which was nowhere near its worth. My grad watch my Mom bought me also was taken.
i felt violated.
But, i never let insurance off the hook. They ponied up bigtime. i refused all offers until they got fair.
Good Luck!