Home Owners Insurance Claim

[Twinkle Lo]

I recently had a water damage in my property. The Insurance company sent in a check for the Actual Cash Value. I hired a private adjuster as the initial claim came very low. I got additional funds however, I negotiated with a contractor and got the project completed at a lesser amount. The insurance company had asked me to send them the contractor's quote and pictures after project completion in order to claim the recoverable depreciation amount.I would need advice on what would be the best practice to handle the left over claim amount.