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Homeowner Insurance - Quality of work - Consumer Fraud? - homeowners insurance fraud

I had 100K more damage in a historic building. I struggled and fought with the insurance case, because his officers estimate was too low. I had three contractors price of labor, and are not happy with the expectations as one of their "first-class set-contractors. I did a little investigated and found that the contractor is good, then j 'I decided that a future avoid confrontation with the insurance company and has its "primary" contractor, which worked perfectly until now promised. I have a problem ..... there are many "open issues" to appreciate. The house is old and historical, even though some prices have been basically impossible. I found that the contractor obtain approval from the insurance company for the cost of the "open interest incurred." I have not seen a proposal or issue and have no idea of the costs work. I knew what was happening, was signed by the contractor an affidavit they do not involve additional costs and that they are on their lien, if the insurance decides not toPay me () to be paid again. In any case, the most important question of who has accepted a work that was out of specification. It was assumed that the line was new metal box gutter I, she in the rubber, which is probably 3x cheaper. They said it was approved and the policy of insurance can I get my metal as ordered. Since the insurance company and the contractor in contracts with the quality of my return to give, I have a case of consumer fraud when the work of the lower classes with the work specified or agreed to replace cover the difference with me?

Thank you!