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It is the Obligation of the Adjuster to Negotiate Settlement with  Insured  

https://zalma.com/blog 

After the adjuster has completed the bid comparison and established the  objective amount of the loss, he or she should meet with the insured and  present each of the estimates and the bid comparison. The adjuster will  then advise the insured that the settlement of the building or  structure loss will be based on the objective value of the loss  determined by the bid comparison.  The decision on which contractor to use is always made by the insured  not the insurer. The insured may believe he knows someone who can do the  work better or who, from experience, the insured knows will satisfy  him, and will accept the dollar amount offered by the insurer.  The adjuster should never demand that a particular contractor be used  since the insurer is only obligated to pay indemnity, not to reconstruct  a building.  Building, Contents and Guaranteed Replacement Cost  \\xa9 2021 \\u2013 Barry Zalma  Barry Zalma, Esq., CFE, now limits his practice to service as an  insurance consultant specializing in insurance coverage, insurance  claims handling, insurance bad faith and insurance fraud almost  equally for insurers and policyholders. He also serves as an arbitrator  or mediator for insurance related disputes. He practiced law in  California for more than 44 years as an insurance coverage and claims  handling lawyer and more than 52 years in the insurance business. He is  available at http://www.zalma.com and zalma@zalma.com.  Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE  Legend Award.  Over the last 53 years Barry Zalma has dedicated his life to insurance,  insurance claims and the need to defeat insurance fraud. He has created  the following library of books and other materials to make it possible  for insurers and their claims staff to become insurance claims  professionals.  Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma;  Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library \\u2013 https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts; and the last two issues of ZIFL at https://zalma.com/zalmas-insurance-fraud-letter-2/