In article ,
"Chia Pet" Chia says...
, we bought a home for $51k and insured it for $75. . The
purchase price is the insurance company's weapon against a higher claim (the
purchase price was abnormally low even then). But replacement even with a
$25k increase would definitely be impossible now.

Is there a way out of this nightmare???

Yes. Find a different insurance carrier.
--
Mark

The truth as I perceive it to be.
Your perception may be different.

Triple Z is spam control.