The insurance adjuster has prepared a written estimate based on a computer program on his laptop computer. Can I be paid more than this estimate?
Yes. The insurance company is not in the business of repairing homes. They may claim to have expertise in the cost of repair, but ultimately a contractor will have to make the repairs and will expect full payment. If you have been presented with a written estimate by your adjuster, use that as a tool with any proposed contractor to make sure that the estimate properly documents the amount and cost of work that must be done. Often, the estimate understates the need for or cost of repairs, and you will need a competent contractor to advise you how much repairs will actually cost.
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