Roof leaking inside

I had a roof leak inside bedroom. The insurance not willing to pay for the roof but willing pay to fix inside. Only prob is their adjuster came to gave a pricing before the tear off on ceiling and some side of wall cause wet it is double the pricing what they quoted.what should I do? And another thing is it was original carpet what they wrote down I want to change to laminate floor can I do that since I’m sure laminate floor cost more . Do I have to pay different or they will cover it how does this work
Thanks

Roofs always leak inside . You can upgrade to laminated floor but you may need to put money . Repair the roof leak before do any repairs in the ceiling. Wair for a couple heaby rain before do any work inside to double check is not leaking anymore

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The insurance owes for the carpet. You are responsible for the difference in cost for any upgrades.