recoverable depreciation

My home title was taken by the city as a distressed property and it was not given back until repairs were done. In the meanwhile , my insurance company has decided to not pay the recoverable deprecation and I need to replace my roof and a few other things around the house.The fire was in july 2010 and I received first check in dec.2010. The completion to my home wasn't complete until dec.2015.And I didn't receive my title back until then.