Have them DOCUMENT their findings. Don't let them just tell you what they think. That was what made the difference in my example. Insurance companies know that typically time is on their side. Many (maybe most) people need the settlement in order to move on. If you have the time, you can come out much better than the initial 'offer'.
DOCCUMENTATION is everything in the ins business. ANYTHING you find on values that differ from anything, PRINT IT OUT.. verbal anything isn't worth the paper it's written on and will be ignored 99.9% of the time when $$$ are concerned.
