If your (homeowner's, in this case) insurance sends you a reimbursement, what happens if the check is for significantly more -- or significantly less -- than you actually end up paying for repairs/replacement? Are you supposed to give back the 'extra' or file for more to make up for any discrepancy?? Or do you just take whatever they give you & do the best you can with it?
You get what they give you. We had a tree fall on our fence, and submitted a bill for the repair, and we got the full amount - it depends on your coverage.
If the check is for more than the repair, you can keep the difference.
If the chips are down, the buffalo is empty.
If it is less, it should be able to protest their decision by submitting a few quotes. If they are all significantly higher than the amount given, perhaps the insurance company would give more? I know, in some states at least, for car insurance the company cannot tell you *where* to get the work done so if all of your quotes are higher they will need to come up.