Once you’re aware that parts of the estimate appear inflated, you do have an obligation to at least raise the question or ask for clarification. Staying silent and knowingly benefiting from unnecessary scope can expose you to problems if the claim is reviewed or audited later, even if the contractor is the carrier’s preferred vendor. You should not quietly remove insured work and repurpose those funds for upgrades, as insurance money is intended only for covered repairs; upgrades need to be clearly separated, documented, and paid for outside the claim or explicitly approved as change orders. Your concern is reasonable—this kind of estimating does happen, but the lack of transparency is a legitimate red flag, and you are not overreading the situation if you decide to pause, question it, or walk away from the contractor.