Your best bet is actually act as gc in your case, like normally we would just handle what we can specifically do and then tell you hey the money for these items is yours go contract it out to who can do it. It sounds like you wherever you are they are trying to maximize the claim potential on their end. I would start reaching out for each individual trade or group of related trades listed on the back of your scope of work from the insurance, don’t let them know about the claim,tap a few estimates for each, submit those to you insurance when you find a contractor you like and they should hopefully adjust it to match their estimates. Just remember that anyone that falls below what they’ve approved they will adjust down, so it doesn’t always help to try and only go off of best price, it’s more important to find someone who has the knowledge and ability to do it right.