It’s possible you won’t agree with the claims adjuster’s settlement amount. If that’s the case, the National Association of Insurance Commissioners (NAIC) urges you not to agree to anything that makes you uncomfortable. Instead, talk to your agent and try to find a resolution.
You can consider other measures, such as
Hiring a public adjuster to negotiate with the insurance company on your behalf
Contacting your state department of insurance to ask about your options
Hiring an attorney
In some cases, having your contractor meet with the insurance adjuster can move things in your favor.