You might be screwed by governmental immunity.
Not all states have it, Missouri does.
Regardless, they're going to drag their feet.
Anyway, gather your recent receipts, often those can be added to base value.
Get ready to file a small claim. A lawyer will cost more than the claim.
No one will help you, start doing your research.
Better get moving. In many municipalities there is a short window to file a claim. Much shorter than if it was just a neighbor.
If it's a private company, you do not have to accept the insurance offer.
You have no contract with them.
You can directly sue the owner for the value plus any recent improvements. (paint, top, tires ect)
Either way, start researching small claims and be ready to file.
Once they are served, a check will usually appear.
Ban computer updates and autoplay video! Boycott music without real instruments and singers using autotune.