That comes into play if the stuff can be saved .Wife wants a whole new look.......
What's the damage ? Flooring and cabinets ? Wall finish and ceilings ? You already know , but if they issue a check don't cash it . I bet that 31K they offered is half of what they're thinking . Contractor has some room in there on the other side , so you have a low / high and you're caught in the middle .
Had a toilet supply break at my Mom's last year . Insurance company actually recommended a contractor . Most don't do that anymore . This guy had anything and everything in his bid , then didn't do half of it .
I just let him go along , and when it came time to pay I caught him off guard with a list of what he didn't do , and how much he was gonna to give back . When truth meets lie , there's nothing they can say but " OK "