Usually overestimate ata talaga ang casa or possible na imbis na replace some parts tinsmithing lang allowed ni insurance, hence the 22k.
Syempre naman because the casa makes money off the insurance company - so maximum ang estimate based on possible "hidden" damages and palit lahat ng pyesa hanggat sa pwede at makakalusot. Kaya nga may insurance adjuster to negotiate things down to a more realistic and manageable level.

Thanks Sir _Qwerty_ for the info re: Standard Insurance. Good to know!