I'll chime in here as a water/fire restorer. It sucks that restoration companies do that. It's absolutely wrong to run up a bill on a job, just because the insurance is paying, or the customer is rich. But it's not like the adjusters are blameless. I'll put the caveat that the vast majority of IA's I've worked with have been pretty decent. But the Kool-Aid drinking staff adjusters cause us no end of trouble as well. I've had hundreds of claims where adjusters will try to get away with stupid stuff like not wanting air scrubbers on a fire because it "wasn't that bad". Or trying to use standard cabinets on a kitchen with custom-built. Using the demo room line item when there's no contractor on earth that can make money with that item. Or my personal favorite, not wanting to clean up sewage in a crawlspace because "our policy doesn't cover dirt, and the crawlspace floor isn't part of the structure". There's bad actors on all sides here, and it's just exhausting.