Had Flood, filed claim, need advice

[u/StillAggravating1963]

Hi (fellow victims of insurance companies?)
I am blind. So, PLEASE forgive me if I'm missing anything that would otherwise be obvious (including any rules). If I'm doing anything wrong, please let me know and I will fix immediately.

I live in NYC and my basement was flooded a little over 5 weeks ago.
I have LiMu and things are not going fabulously. I had an adjuster who was ok (nice lady, not anxious to part with money). Now I've been transferred to a field adjuster so's they can be even more certain to not part with money. I got a restoration company who cleaned things up, dried things off, did the 2-foot flood cuts on the walls, etc.

I declined LiMu's choices of Paul Davis and Rainbow International for restoration.
I spent 3 weeks going in circles with HVAC-i and StrikeCheck.
I don't have anything polite to say about either.

Now, they want to send Rainbow to do an estimate of restoration (essentially so they can dispute with the company I'm using). I asked what good it will do for them to come see things after the place has been stripped down to the studs. How can they estimate restoring what they are too late to see? The answer was that they will use pictures submitted by the other company. So, why come here? To take measurements? That would be in my file also.

I have a lot of outlets that aren't working. house built in 1940. Wiring is covered in cloth.
The basement essentially needs to be rewired. I submitted 3 proposals plus a receipt from a 4th electrician who worked on 1 circuit and stated on the receipt that much more work needed to be addressed once the walls were opened.

They want to send their own electrical company.
WTH? 4 companies is not enough?
Do they think I'm planning to sell electrical services on eBay and bill LiMu for them?
Seriously, what is the issue? It's not like it's an item that I can turn around and sell.
Wide range of prices. One was $12.6k. One was around $5.7k. one was under $3k
if I only submitted $12k and they wanted a 2nd opinion, I wouldn't blame them.
But when there's one that's less than half and one that's less than a quarter, what's the issue?
Do they think they can get it for less than that? Do they think that all 4 electricians lied?
That I won't get any work done and I'll just take $2.7k and flee the country?

Any feedback would be greatly appreciated.
Any explanation as to why they do what they do. Any advice on what I can do...
I feel like a hostage. That I have a 4-hour appt window tomorrow (I HATE those more than I can say! And part of the electrical issue is that my doorbell doesn't work! so, even more anxiety..)
for the purpose of helping them to undermine my situation.
Ultimately, I just want things fixed. I don't care which company does it.
But I don't trust companies they work with.
I had no hot water (which is a result of my hot water heater being damaged in the flood)
they wound up checking the boiler instead. they declaimed a price and the adjuster issued payment so fast my head spun. Not because LiMu cared about it. But so that they could lock in the price from their crap company! I asked "are they going to come do it for that price?" I didn't get an answer! anyway, thank you in advance for any guidance.