Staying Put & On the Losing End

So we've pretty much decided to just stay here until after the baby is born. Like I've said before, the insurance process is moving at a snail's pace, so we're probably going to just stay here until that is all settled. Although I haven't started unpacking the boxes I've already boxed up. I'm not quite that confident in our new plan.

I'm also starting to get very nervous about the whole settlement process. The estimate that our contractor came back with is Tens and Tens of Thousands of dollars more than the one the insurance company provided. I'm getting the sinking feeling that we're going to be spending a lot of our money to get the repairs completed. How is it fair that we have to negotiate, like we're buying a used car? Shouldn't they just flat out pay for the repairs, no matter how much they cost? Someone hit our house while we were sleeping, and now we will have to use some of our own money? Didn't we hire the insurance company to work on our behalf?

I'm trying to remind myself that this will be okay. I don't know how, and it may not be cheap or easy, but we'll be fine. I can just get pretty frustrated if I let myself dwell in the moment.