Lost the bulk of our house to a tornado about 8 years ago. Your first challenge will be dealing with the adjuster. My advice is to first determine the value of the property. Looking through local real estate pricing is your first start. From there on, if you encounter problems with the adjuster and the company, you can always chose to bring in a public adjuster to work on your behalf. In my case, the mere mention of this course, along with my expressed willingness to go to court for settlement suddenly brought about a quick a equitable settlement.