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Shouldn't I get full replacement cost for my totaled air conditioner from the tree contractor's insurance company?

Question Details: A tree removal contractor told me he got over confident and didn't tie a rope on a limb he was cutting to lower it to the ground. Instead he let it drop. It hit a nub on the tree which made it fly toward my house landing on top of my air conditioner totaling it. The replacement cost of the 2 year old unit was $3277. His insurance company wants to settle for $2621.60. They said, "As a third party insurer, we are responsible to pay the property owner the actual cash value ACV of the damaged property therefore, depreciation is applied". Do I really have be out $655.40 because of the contractors bad judgement?

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