Insurance for Bikes. Question for y'all.
So - we had our garage broken into on Sunday night (while we were home & sleeping). They stole ONLY bike gear. 6 bikes plus two tool boxes of bike tools & various parts/pieces etc. Also two bike helmets.
Now - the bikes are taken care of. We are not getting full replacement value due to the policy that I have & lack of rider. I am okay with that (as okay as I can be considering).
What I don't understand is their unwillingness to compensate for the parts & bike specific tools that were taken. They are claiming that the parts fall under "accessories & cannot be comped - even though the bikes left the garage in full working order. They ARE offering $500 as some of the tools could be used for things other than bicycles.
I need some perspective from someone with a cooler head than me. Is it worth it to pursue & try to get more (the tools etc were definitely worth more than that), or is it not worth my time/effort to go up against the big agency with many more resources at it's disposal?