Pro-5 contents claim: Cash settlement instead of remediation?

[Paul Deras]

We had a fire in our home which exposed a significant amount of asbestos and other contamination to the entire home and contents. I received an estimate from the Pro-5 remediation inspection in the many 10s of thousands of dollars for the contents alone. I believe the contents themselves could be replaced for half or less.

Is this type of claim in the purview of our homeowners insurer to negotiate for a cash settlement instead of the massive cost involved with inspecting, assessing, warehousing and remediating? It seems they could easily save 50% or more by making me an offer, but I'm not certain if California law requires the full pro-5 remediation process on all the contents.