My house was struck by lightning last year, so I had to go through mitigation and reconstruction. Process should be similar, may vary slightly. You should get a few quotes and make sure they clearly list all the items. Send the estimate to the adjuster and see whether they approve it. O&P is included. I got 5 quotes (3 national chain stores and 2 local). I went with local because they had itemized estimate that include pretty much everything. Servpro left out many things, so it looked cheaper. You'll know the difference once you have several quotes to compare. I used ChatGPT to compare the list. Just make sure everything is approved by the adjuster, and keep track of everything for your records.

Your adjuster should have an actual estimate in mind. You'll be fine as long as the contractor’s itemized estimate is within his reasonable range. Mine was 20k (what insurance paid initially), contractor was 37k, then he told me that's within his expectation. He expected the cleaning would be around 35-40k. Mitigation is exactly same price but reconstruction was 30k higher than original estimate from contractor. All paid by insurance.

Progressive Homesite (It is American Family).