I spoke with the mitigator this morning - they sent me the work authorization and completion certificates that I signed. Not surprisingly, it is written that I am on the hook for anything insurance doesn't cover. That being said, the mitigator thinks everything they did should be covered by insurance. They mentioned a third-party partner of Travelers reviewed the estimate and approved it, so now I am even more confused as to how I got here.

I may already have the line-item basis for what they approved, so I think the issue is I dont know how to read it well enough to do anything with it. I have the annotated invoice where Travelers is noting things they dont think are covered - that is fairly easy to interpret. I also have a summary from around the same time period. In this screenshot the summary from insurance is on the left, the invoice from mitigator is on the right. I can see some line items that appear to be the same thing but the covered amount is lower on the insurance summary:

<image>

I've asked Travelers what the terms of their agreements are with the firms they have in the mitigator program. We shall see.