It was a less than stellar experience but CA Fair Plan ended up paying out our policy max. While it is still far below what it would cost to rebuild it is better than what they originally offered. Our policy limits basically put us at $575 per SqFt. Which was a reasonable cost to rebuild, what we had, before the complexities of a firestorm/tariff situation which will inflate costs. We ended up writing a very long e-mail about all of the mistakes that were made in their original offer and a build quote from a contractor on what they would charge to replace the dwelling. All and all it wasn't that bad, it just felt like a kick to the teeth to low ball when our max was at $575 per sqft (underinsured to begin with). Every little thing just seems to be more difficult than it should be. On the positive side I've had a lot of good interactions and seen a great deal of generosity from a lot of companies and LA in general.