Home First Insurance insurance ripoff Maryville Tennessee

i have paid for insurance for 12 years and i have wind coverage.the wind has blown shingles off my roof which caused water damage too.the water damaged the carpet ,wall board, insulation,floor decking ,2x6s under the floor,and the roof decking. they sent me two papers one saying it was 1040.75 the other said it was 4500.74 of damage .they said my policy allow them to depreciat the damage out .all of the papers i have say nothing about they are allowed to do that.they sent me a check for 123.67.i have talk to several contractors who said it cost between 7000 to 9000 to fix .me and my wife just had a baby girl and there isnoway we can fix. after paying for there crap of insurance for 12 years

Tim
stanford, Kentucky
U.S.A.