Will my home insurance compensate the full amount of estimated damages even if I win the repairs done for smaller quantity?


Answers: Do you enjoy replacement cost? If so, they pay the depreciated value up front, smaller number your deductible, and after the repairs are completed, they will pay you the remainder, up to the cost to repair.
No, typically they will not. Most home insurance companies pay cheque the actual cost of repairs which may be less or more than the original estimate.

Sometimes auto insurance companies will cut you a check later you can shop for a lower cost repair. Haven't heard of home insurers doing the same.
Brian,

It is called an estimate because the exact cost to repair the damage is unknown until the commission is satisfactorily completed. At that time the insurance company pays the actual cost of repairs which may be less or more than the imaginative estimate.

The idea of insurance is to put you back surrounded by the position you were before the loss. It is not expected to pay you a profit because you had a loss..


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