First off, it's not called "payoff" it's termed policy limits. If we used this term, then this message will make sense. The insurance company has the right to exercise the repair recommended by the engineer that they hired or to tender policy limits. If they have decided that they will go ahead with the repair, they are hoping that the total cost of repairs will be less that policy limits and hopefully be less than the proposed amounts. As the homeowner, you cannot request that they spend extra money just to tender limits, the whole idea of an "adjuster" is to adjust the claim downward, not spend more money than what is needed. If you wish to argue this point with them then you will need to retain an attorney, not a public adjuster, to make this point. I hope this helps.