We’ve negotiated millions in insurance claims. Sometimes on a claim the difference between getting another $2000 is just asking for it. We know what is reasonable, what is required by code, and how to talk with insurance providers. This is money in your pocket at the end of the project.
Insurance sets the prices, but so too do market factors, code requirements, and the ebb and flow of the economy. Insurance will agree to anything reasonable. Like 10th grade math, you just have to show your work.