I had not agree but the insurance still sent me a check – what should I do?

[Ray X.]

The insurance adjuster wrote an estimate and then sent me a check although I told the adjuster I had not agreed with the amount of the damage due to the house water damage. What should I do after I receive the check, return, hold or cash it? Can you advise how to handle that, especially if the adjuster insists on his solution? Thank you.