My house [which I loved] was split in two by a large hickory tree. The tree went through 2 floors. The estimated repair estimate is around 200,000, not including rewiring the house. The house is insured for 221,000. Should I push to have it totaled, tear it down, and build a similar house. House-2,300 sq. ft.with attached garage- 1,000 sq feet. built in 1950, hardwood floors, built-ins, brand new $50,000 kitchen. {I believe I was underinsured. My insurance agent wouldn't let me increase my coverage when I got the new kitchen. He said, "You already had a kitchen"}

Any help would be appreciatied. It's been 5 months and we are no closer to getting our home back.