sorry, why is this a draw?

It said the game was "drawn by insufficient material" but the eval bar says mate in 12 and I know how to do 2 bishop mate  

Black lost on time.
Since white with only a king cannot checkmate black, it is a draw instead of a white win.

I thought this because I was low on time but I checked and actually I had 34 seconds left

This really doesn't look right. Not only that it says "drawn by insufficient material", but the last move of the game is yours, therefore the opponent was on the move, so your time couldn't have expired.

So this is either a bug, or... The other semi plausible explanation is that you lost the connection, and because the opponent didn't have mating material, it was a draw (though I have no idea how is that handled on chess.com as it is such a rare occurrence). But even if that was the case, this is at least presentation bug because, if that was the case, the reason for the draw would be "drawn by timeout vs insufficient material".

To be fair, I feel something like this happened. In any case, you should contact support with an e mail in order to sort it out. It would be nice if you come back here and tell us what did they tell you, because I am also interested to see what actually happened.

just to report a bug? they're not going to give me my rating points back.

The game just ended as soon as I had play 64...Bh6 and said drawn by insufficiant material

It depends. If it was an outright bug where the game abruptly ended, then they might.
If you lost connection (sometimes you will not even notice this) and it was drawn because of that, it is just a presentation bug - where it says "drawn by insufficient material" instead of "drawn by timeout vs insufficient material", then they will not.

It depends what it is of those 2 cases. In any case, that is why you should contact them and see what actually happened.

I cant of disconnected becauseI played Bh6 in less than 2 seconds after my last move

Yes, you played that move. That is evident, but you potentially could've disconnected while your opponent was on the move. It is either that or a serious bug. That is what needs to be determined.

Just link the game to the support, explain that you made the last move of the game and the game ended abruptly while your opponent was on the move with a draw "by insufficient material", which should be impossible.

This person is right, clearly it's a draw by insufficient material.

Happened to many if not all of us...

If you somehow left his pawn you would have lost, so be happy.

I'm sure your opponent already filed complaint bout this, he is duped...

Did you even look at the game? It is more complicated than this. First of all, even if he was flagged, it should say "drawn by timeout vs insufficient material", and not "drawn by insufficient material". He has 2 bishops and that is enough for a checkmate. So the info is wrong, at the very least.

The other thing, he played the last move of the game (after which he had 34 seconds left), after which game ended, while his opponent was on the move, so it can't be a normal timeout by him. You need to be on the move in order to timeout.

So this is either a serious bug, or he lost the connection while the opponent was on the move, in which case, it still needs to say "drawn by timeout vs insufficient material" and not "drawn by insufficient material".

Yes, I saw it before even answering and saw each's reply even what do you pretend? It is a draw because you failed to chess mate him with such material.

Yo, going aggro on my opinion here that you asked in the 1st place will bring you only no good.

You hate loosing? Well there will be many more to come and you the kind of arbitrary wanna have had more time to win while you simply failed.

https://www.chess.com/analysis/game/live/104947156304?tab=analysis&move=14

Here's a difference/

You fail to even realize that this is not my game. Look who opened the topic. It is not me.

And I am not going "aggro", I am pointing out the facts that what you say is incorrect. I am not trying to hurt your feelings. Let me explain it again, and if you want to give opposite proofs, please do so.

You say that what tygxc is correct and you say that it is clearly a draw by insufficient material. But draw by insufficient material is when you do not have enough material to win the game. The guy has 2 bishops, which is enough material to checkmate.

What tygxc describes is a game "Drawn by TIMEOUT vs insufficient material". There is a difference between the 2.

For instance, you have this as proof:

https://support.chess.com/en/articles/8557986-my-opponent-ran-out-of-time-why-was-it-a-draw

You do not have to read it all. The interesting part is this:
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If you look closely at the draw notice, you’ll see it says ‘draw due to timeout vs insufficient mating material.’ This happens when one player does not have enough pieces to checkmate the other player.

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So, those 2 are different. And if the OP drawn the game due to being flagged, it should have said "drawn by TIMEOUT vs insufficient material", and not "drawn by insufficient material".

There is potentially a second problem with the game. Normally, in order for you to be flagged, the opponent has to make the last move of the game. Then you are on the move, your time expires and the game ends.

Here, this is not the case. Here, OP played the last move, had 34 seconds on the clock, and the game ended abruptly, while his opponent was on the move. So normally, he wasn't flagged.

There are 2 explanations I could think of. Either a serious bug, or... he got disconected while the opponent was on the move and the game ended in a draw because the opponent didin't have enough material to win the game.

Since you clearly had a winning position and even looking via your opponent's game score it showed you have 34 seconds left and your opponent was on move, the only thing I can think of is accidentally hitting the resignation button and the system not allowing a resignation when the opponent cannot win (thus calling it a draw because the person being resigned to has insufficient material). See if support can determine if you inadvertently hit the resignation button.

With it being only five moves after the last capture and your opponent already getting boxed in, you were efficiently moving towards the forced mate.