In need of some advice please. I have made a claim on my insurance for damage to to my six leather dining chairs due to careless packing and loading. All the leather is imprinted with bubble wrap marks and one chair is scuffed where it fell of the container when being loaded. I insured them for $450 each as they are Italian leather and have v shaped insertion of suede in the back. The insurance company asked if I would accept an offer, not stated, and warned that if the insurance co paid out the full amount of the claim that they would come a take all six chairs away. I said I wasn't willing to settle. However, they have still come back with a settlement figure, which is 50% of what I claimed. My question is do I settle, I am not happy with that figure, the chairs are unique and I can't find anything remotely similar out here. But I don't want them to take them away either. I thought about making enquiries to see if a Leather Restorer could help but I have no idea how much that would cost. Whats angers me the most is they don't negotiate your insurance premium based on the amount of damage done. Any advise or thoughts on the matter or previous experience in this area would be gratefully received. Thanks