Kurt Ullman wrote:

Insurance, in theory, is to make you whole for the loss. How you are
made whole is often up to you. For instance, you can use the insurance
payment to make up the difference between what you might have gotten if
you had sold after you repaired and what the flipper was willing to give
"as is". If you sold before the problems, then yeah you would be right.
They'd owe it to you. How much would be up to the contract and how
much one wants to fight, etc.

The OP no longer owns the home. She states "They are making out like
crazy because they don't have to pay for all
of the work - just the depreciated value." She had _agreed_ to the
depreciated value b/4 the house sold.

If you reread her letter, she attempts to lay blame for selling on the
Realtor. Now the insurance company. In her greed, she grabbed every
nickel she could from the house flipper & insurance company. She now
thinks she deserves more, on a home she doesn't own. She's now has
remorse for selling quick and cheap.

She's nothing more than a slumlord, looking for a quick buck. She's
gotten what she was entitled to, otherwise, she wouldn't have settled
for a check made out to her.