I am asked by property owners how much money will the insurance company pay? This is not the questions you should be asking.
The purpose of an insurance policy is to protect your (in most cases) largest asset. Looking at only the check amount is narrow minded. The policy is there to put in back to prior condition of damage minus your deductible and repair cost of causation.
Understanding the detail of all “line” items required to repair damages is the key to resolving the process in a fair and timely manner. Taking the time to ask the proper questions and follow up questions is important as retaining professional “insurance” professionals who will look out for your interest to achieve a pre-loss condition.