do I have a case for lack of payment

There was a severe flood in the villa I was renting. The damage was caused by a severed sprinkler head cut by a landscaping company. The uncontrolled water drove a hole in a metal soffit and filled the ceilings with water. The ceilings collapsed. All walls, ceilings, facilities were taken out due to water and mold damage. Undamaged furnishings and personal effects were boxed and put in the garage with large heating units. This was done professionally, because as a snowbird I was at my summer home. I was not able to return to the villa for 5 months. Because the landlord said I was “covered,” I filed a claim for $32,692 in February of 2015 for damages to furnishings in the fall of 2014. After a long period of no response, the insurance company said they would pay $8,000 to $10000 as a “GIFT.” I have replaced many items at my own expense; many I cannot afford to replace. I did not have renter’s insurance.