Should the contractor get the entire payout?

[Jim Brozny]

I filed a claim with my insurance company for wind damage to the siding on one of my properties.  At the last minute, I called a contractor to meet the adjustor at the property so they could inspect it together.  The contractor said he would do it as long as I gave him the job.  I agreed. 

Because I did not get any estimates prior to the adjuster visiting the property, I really don't have a good idea about what the job really costs.  I only know what the insurance company is paying me.  They are paying a healthy amount to replace the siding, gutters, and downspouts for the entire property.

My question to all of you, would you pay the contractor the entire amount the insurance company is paying me or would you negotiate?

Thanks!