Well, she can not. She agreed , in advance, pay the lawyers . This is your assurance that they will receive payment. She gets what's left.
As for the second, " was $ 160 available " probably not true. They should have explained why they are paying only $ 20 billion , most of the time , its value depreciated until repairs are actually completed , and then get the rest of it. In addition , there may be penalties involved here coinsurance , or deductible.
Mathematics must be clearly stated in the letter that came with the check.
But " I will say right now , she is screwed , hiring lawyers - they basically agreed to give away a huge chunk of the insurance money for them, and probably would have gotten anyway more fiscal action , is probably going to ruin . on it further.
"Sue Sue Sue " is not the answer to everything. If the insurance company keeps its part of the deal, and I was trying to pull a fast one by underinsuring , or repair ( to take the money and run ), well, there is nothing to sue . Sorry.
