In a message dated 99-05-12 12:34:16 EDT, you write:

<<   DON'T call em
      at all.  Just politely re-send your valuation and be firm about >>

Yep, years ago I had an argument with an insurance adjuster. He screamed
"I'll see you in court before we pay that" I said fine, see you in court. He
called back about 4 hours later with a substantially higher offer, which I
accepted. Wait 'em out!  Jeff S.