Thanks for the report and advice.  I submitted a formal request to EMC Insurance for diminished value compensation.  Recall that when I asked verbally, the insurance agent said that they do not pay for diminished value in states that do not mandate it so they would not honor my claim.

The same agent called me last week and as you predicted, made a very low offer.  We compromised at a value slightly lower than your appraisal plus all of my expenses.

Thanks so much for your help in bringing about a fair settlement of my claim.  I would have stood little chance of collecting without it.  Take care,

Joe E.
NEW HAMPSHIRE
DIMINISHED VALUE SETTLED FOR $3,700