How to go about arguing for a more reasonable depreciated value from the company since I do not have a replacement clause on the policy?

If you do not have a replacement clause on your insurance policy and you believe that the depreciated value assigned by your insurance company is not reasonable, you may be able to dispute the value through a negotiation process. Here are some steps you can take:

1. Review your policy: Review your policy documents to understand the terms and conditions that apply to the valuation of your property. Some policies may have specific language that outlines the methods used to determine the depreciated value of a property.
2. Gather evidence: Gather any evidence that supports your argument for a higher value. This may include receipts, invoices, or other documentation that shows the original purchase price, age, and condition of the property.
3. Obtain an independent appraisal: Consider obtaining an independent appraisal of the property from a licensed professional to provide an objective estimate of its value. This appraisal can be used to support your argument during negotiations with your insurance company.
4. Initiate a negotiation: Contact your insurance company to discuss the depreciated value assigned to your property and explain why you believe it is not reasonable. Provide any evidence or documentation you have gathered, and be prepared to explain your reasoning in detail.
5. Seek legal assistance: If negotiations with your insurance company are not successful, you may want to consider seeking legal assistance. An attorney with experience in insurance law can help you understand your rights and options, and may be able to negotiate on your behalf or pursue legal action if necessary.

It's important to keep in mind that the outcome of a dispute over the depreciated value of your property will depend on the specific terms of your insurance policy, the evidence you are able to provide, and the negotiating skills of both you and your insurance company. It's important to be prepared and persistent in your efforts to obtain a fair value for your property.