These Contractors are in league with Insurance agents. My house burned down in 2010. It that time I have decided after having to fix many things that they will turn your well built house into a mobile home. They use the cheapest material, you will not know until it is too late. I am now having to replace my AC unit. I had a Trane but what they put in was what you expect to see in Mobile Homes. They know what they are doing and how to make a pigs ear look like a silk dress. I would say get a second opinion. Do not trust what the insurance people say. It will take more time and after a disaster all you want is to get done as soon as possible but it is worth he extra time to get a second opinion.