Mitigation is not the rebuild.
A mitigation company extracts the water, sets equipment and removes wet material. Their invoice is the mitigation scope. It does not include putting the house back together. If the only document on the file is the mitigation invoice, the rebuild has not been scoped at all.
The flood cut is the beginning.
Once drywall is cut at two or four feet, the rebuild is: hang, tape, float, texture, prime and paint the full wall — not the patch — plus baseboard, shoe mold, and often flooring underneath it. Each of those is a separate line item with its own quantity.
Detach and reset.
To replace flooring you have to remove toilets, vanities, appliances and sometimes cabinets, then reinstall them. That labor exists whether or not it is on the estimate. When it is missing, the contractor either eats it or skips it.
Sequence and protection.
Drying, then demo, then rebuild, then finishes — with floor protection and cleanup between. Trades come in more than once. An estimate that prices the materials but not the sequence is pricing a job that cannot be built as written.
The fix is documentation.
A moisture log to dry standard, photos of every room after demo, and a scope written in build order. That is what a supplement is made of, and it is what an adjuster can approve without a phone call.