Originally Posted by FullGas

I'm in exactly this situation.

I built my bike from a frame/fork using all high-end components...the ins adjuster wants to offer a depreciated replacement value for a similar off-the-rack bike (there's no such animal) which won't even cover the cost of the wheels that got trashed.

after a month of stressful, unproductive negotiations, I hired an attorney who specializes in cycling-related claims.

the OP should do the same. and soon...