This is when I would go to the shoe box and pull out all the receipts for the upgrades and submit them to the insurance company. They should reimburse you minus depreciation for all of the receipts and that should help you recover more value for your property that was damaged. If I were to spend $40 on gasoline just to pull out of the gas station and get creamed and my car totaled, you bet I would fight and get that $40 back for my tank of gas.