IF the home burnt to the ground the insurance company will pay policy limits. Some ins companies will want their adjuster to itemize if there is any structure left, even if it is exterior brick with no studs. All you need to do is send him an itemized reason as to why the remaining structure cannot be built into (if this is the case). He is the adjuster and ultimately is required to provide the itemized estimate. I do it as they leave out way too much and couldn't build there way out of a pile of debris if their life was on the line. However, in this case, burnt to the ground, automatic policy limits, no deductible applied, and depending on the ins company, a 5% of policy limits additional payment for debris removal. Your bid doesn't matter. HO is due what the house is insured for...period.