I have an investment mobile home built in 1972 which I paid $2,000 for sitting on an empty storage lot next to boats, vehicles and other trailers. I spent the summer remodeling it at a cost of $8600. I am a licensed and insured general contractor. 4 weeks ago a tree pruning contractor fell a big one right in the middle of it, cutting it half and totaling it as well as totaling several other's vehicles, trailers and boats. This contractor was insured. However, his insurance company is insisting on ACV (Actual Cash Value) for the trailer only not including any renovations, to a total estimate of: $2800 (estimated via NADA in "Excellent" condition)
They won't negotiate. Who do I sue in small claims court for the depreciated value of the renovations? The contractor or his insurance company?