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The damage that was sustained was not 19k but 20k as backed up by multiple contractors. If I chose to go a cheaper route to repair the house that should not be held against me. Like you daid you are reimbursed for the loss and the loss was 20k. In order to make that 20k loss whole the company will reimburse 20k.
And my analogy isn't any different than my proposed question. You have something of higher value that was damaged. The insurance company reimbursed you for the loss on the original value. You take that money and replace it with something cheaper. You still had a initial loss of 20k. However your analogy got me scratching my head.
Regardless, I already submitted all the paperwork to my insurance company and asked this exact question so we'll see what's right in a few days.
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