Get a second opinion by a reputable engineer, trusted contractor, or price quotes from real life vendors, stores, internet sites or appraisers and provide them to your adjuster.  In return, your adjuster can provide you with the documentation that he/she used to evaluate the value of your property.  If you still do not agree with the amount offered by your insurance company an appraisal process is described within the Insurance Act.  It is important to remember that the insurance company needs to compensate you for the same like kind and quality.  Any increases in prices due to upgrades or inflated contractor prices cannot be claimed on your insurance policy.