You do realize that the correct forum for insurance complaints is the State Board of Insurance. They can actually help you, as should your insurance agent. If they don't, I can assure you there are lawyers that will happily help you with a "bad faith" claim. A lot of state laws allow treble damages, etc. So, it basically boils down to the fact that if a door costs $2000 and you have replacement cost coverage, they owe you $2000. If you have not pursued it further, that is your fault, not Progressive or some dead guy.