@afmtv No haggling, but make sure the restoration company doesn't force you to restore items you don't wish to keep. They can make it sound like you HAVE to try and restore them before you submit a claim. The restoration fees can cost more than the actual items replacement.
Also, a company will typically come and itemized your possessions (restoration company in my case), they will be very vague on the description and it's up to you to scrutinize the item list and price, be as detailed as possible.
For example: they will list your toaster as just a "toaster". If you say that your toaster cost $40, they'll compare it with the replacement of the cheapest toaster possible ($6) and fight you on it. It's up to you to modify the description and cost of your toaster to reflect it's actual replacement cost, for example, "Kitchenaid 4-slot toaster with a button for bagles and poptarts, ($40)".
You'll have to do that for the thousands of items you own. I even modified the description for pens, pencils, cooking products, etc... The end result was that my insurer paid me the maximum for my policy.
Hope it helps.