Mostly scope and price?
If the disagreement concerns quantities, unit costs, repair methods, or omitted damage, a qualified estimator or public adjuster may help develop the factual valuation.
Ask whether appraisal, supplemental documentation, or further inspection is available under the policy.
Coverage or legal dispute?
If the carrier invokes exclusions, limits, conditions, wear and tear, matching rules, causation, or deadlines, the disagreement may require legal analysis.
An attorney can evaluate the policy and preserve a path to litigation if negotiation fails.
Do not confuse “replacement cost” with an automatic full payment.
Policies often contain conditions for replacement-cost benefits, depreciation, repair timing, and proof of expenditure. The exact wording and Michigan law matter. Review the insurer's estimate line by line and compare it with the policy and reliable contractor pricing.