My property insurer paid for emergency repairs to my building, but the contractor’s bills is astronomical. My insurance company says I am out of luck but I don’t think this is fair. Can I dispute it? Does the appraisal process apply to this sort of situation?

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I am looking to buy a brand new condo in Jacksonville, Florida for about $138,900. How much would my property insurance be? I know a lot of factors determine the price, but a rough estimate would be nice. Also if anyone knows how to calculate this, that would be greatly appreciated. Thank You