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If your estimate is not what you were expecting, a friendly call to your insurance agent can alleviate any troubles you are having. Usually an initial miscommunication is the cause of these disagreements and upon further review the problem can be eliminated. Remember that your claim is processed thoroughly to ensure the highest level of accuracy.
If the estimate is still in question you can enact the appraisal clause. Essentially this is a clause that either you or the insurer can use to bring in an independent appraiser to make a ruling.