Negotiating with insurance after property damage

[Carlos Lopez]

Hi Guys Maybe one of you has the expertise or knowledge to answer this question:

I live in Northern California,  recently a pipe broke in my house and it damaged top floor and basement of my house.  lots of damage. 

Insurance sent their adjustor ,  he came one day , took measurements , then they sent me a check saying that's what they were going to give me based on what he estimated. 

Any way I can submit my own estimates?  any of you know the law for this in california? 

Do you know the best way to negotiate with an insurance? .   The amount of money he estimated is too low for the work needed. 

Help.