Is Your Insurance Company Your Friend?
Your insurance company is a large corporation that makes money by charging more in premiums than it pays out in claims. It has a very rigid structure as to how those claims are processed, what the values are, what your policy covers.
And for that they have a team of people who act in their interests.
They have adjusters who come out and assess the basic claim.
They then have construction consultants who come out and assess the claim and put pricing together.
On your team, you have your general contractor who is paid to rebuild the apartment. You may have a public adjuster who is paid based on the size of the claim and advocates for you. They become the primary contact for your insurance company.
A good general contractor will have a team in place that will help you understand the process and make your claim run smoothly.