We began work in a mobile home and shed (Texas). Insurance summary was missing many things as this home and shed had been damaged from Hurricane Harvey and needed a full restoration, roof, inside, and out. Insurance sent second adjuster and agreed on the things that were missing. Insurance adjuster gave us approval to begin work while second summary was being created as the home was being further deteriorated from rain. We began work and when the second summary was sent, more items were included but still had several major items missing and their prices were severely under priced since work and material costs are higher in this area after Harvey. I submitted a supplement for the remaining items and the for the price differences (to match as close to Xactimate prices) but now the adjuster is saying that in this case the home would be a total loss and they would take ownership. They approved storage for the entire double wide mobile home along with other things when the second adjuster came so company resources covered those while supplement check came in but now they’re saying this.
Can they do that??? Or is it a scare tactic? Can they claim total loss after both roofs (home & shed) have been replaced, entire ceiling has been replaced and painted, exterior walls have been replaced and painted, carpet for the entire mobile home is on its way?