Yes most definitely, you do need a budget proposal from an architect and engineer and you can submit it to the insurance company for speedy approval. The only question is whether the insurance carrier will try to knock it down.
D & E can range from 6% to 12% of the costs of construction but most insurers will say “you don’t need an architect to draw the plans,” and you can get that done by an engineer. That may be true but you have the right to use whomever you wish. Just get the costs approved by the insurance company in advance and or leave it as a “to be paid as incurred” expense. Keep in mind they only owe to put back the same house and to meet current code requirements for the same house.
Crown Adjusting LLC.