My previous client asked me to write a work estimate for the insurance. Due to water damage on the second floor, the laundry pipe broke and the water came down through to the first floor bedroom ceiling. All 4 walls are wet and the entire hardwood floor was covered with about 2" of water. The finished room in the basement also has water on the ceiling and all walls. The insurance company sent a cleaning team to do the clean up and cut out part of the ceiling and wall to let the water out. They used a fan blower to dry the insulation that was wet. My estimate was to completely gut both rooms, pull all insulation out, and install new insulation and new drywall. The insurance adjuster will only pay for a portion of the hardwood floor (where it started to buckle up) and for 25% of the drywall and insulation in both rooms even though they are all wet. He said that the cleaning team already got the insulation and drywall to dry and I don't need to replace all of it. I believe once the insulation and the drywall are soaked with water, it should be replaced with a new one to prevent mold. I have spoken with the adjuster a couple of times on the phone and tried to explain this to him, but it seems it didn't do any good. He keeps insisting that's all the insurance company is allowed to pay. Any thoughts or advice?