Yes, your concerns are valid. Get pictures, get to your insurance agent &
bring those quotes with you to show them AFTER you know what they'll pay.
They might send their own people out to take pictures, too, but know your
Check any contract estimate for how far off they can be; can they charge
you up to 10k more, or what? Read carefully, I mean.
I'd be concerned.
I worked billing medical insurance for a few years and that's standard
procedure. Get a bunch of estimates and have an adjuster make some
recommendations too. Never can be too careful. There are going to be
some out-of-towners in to do contract jobs for the local contractors
too. Even when you think you're getting a local crew.
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