Been thru this twice, with two different resto companies. Get the estimate from Insurance, then negotiate it, get your own contractor quotes. I only used the Resto Company for tear out, but not for new replacement. Way better deal that way for us. Use a flooring company, use a...
I agree with the Culture comment... This next year they will have a New Superintendent, New HS Principal, New AD, and multiple New Coaches, FB, BBB, Track, etc... Maybe this is the change that is needed.