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I am not surprised by the low ball number - they are just seeing what they can get away with. At this point I would not talk to their adjuster again, just refer them to your insurancr Company. Turn the report over to your insurance Company (if you have not already), tell them you expect $6k and won't accept anything less. Let your Ins. Company and the party who prepared the report have all the future discussion - that is what they do and they know just what to say.
That being said the other insurance Company won't roll over - it will take 3-6 months to get a fair settlement. Be nice, but firm - you will come out ok.
Sorry for your troubles - such a hassle to deal with this stuff, but $#!t happens!
Good luck!
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