Hey Mike

Any update on the assessment? I used to work in insurance for one of the major players and at times like these they generally do write it off. Not sure about the insurance company you are with, but with my old mob the assessors had a tendency to always choose the upper limit in terms of quoting repairs and generally in these sorts of natural disasters cars got written off. However i'm only speaking from my experience from working in the industry not sure about your company. If the damage on the car is significant enough, and if the car is not written off but only partially repaired, i would consider taking it further with the company if not approaching the ombudsman in regards to this. Just my two cents and hope everything works out for the best for you and everyone else that got caught up in the storms

Cheers
Naz