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I went through the same bullshit when i totalled my car out several years back. They wanted to give me 800 bucks for it when I had over 5k in it. What I did was I kept going up the chain until I found someone with power. I provided all of the receipts and didn't claim anything on the car that I did not keep a receipt for. Eventually I sent a lengthy and stern email through their customer feedback on their site (I had State Farm at the time), and a couple hours later some Vice President called me back saying that they would provide me the amount of the salvaged car plus all receipts minus depreciation. Ended up being damn near the total value of what I thought the car was (4600 or so).
That said, I would just keep jumping the ladder until you find someone that actually has some power. The whole 90 day period is simply bullshit. They started depreciating my items at 90 days, which is the same they should do for you. The problem I see with you is that you have WELL over the amount of money I had in my car, and therefore the fight is probably going to be exponentially harder in your case. Insurance companys (as we all know) hate to give up money.
As a lesson learned - when I started my next project car, I insured it through progressive on a flat monetary value. Meaning, if I total my car out, they are going to give me the full amount of the insured value (sitting at 10k right now I believe), and also are forced to depict accidents based on the monetary value and not the current bluebook value so that if a 2k body damage event were to happen they could not (and would not want to) total out the car. That way this issue will never have to be raised again. As a caveat, you WILL spend quite a bit more money insuring this way, but atleast its guaranteed to you.
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