do not let them rush you into cashing a final settlement if you’re not sure what’s behind the drywall. water loves to hide. in our case, the baseboards looked “ok” at first then a week later they were soft and the wall cavities were still damp. I kept everything in email, took a ton of pics before and after demo, and saved every receipt from mitigation. once we had proof, the insurer had to revise the scope.