No.  All responsibility to define how large your loss is lies with you,
the insured. Insureds who "let the insurance company take care of
everything" really do not understand what their policy says or how to
proceed correctly. They end up leaving a large percentage of the money
they are entitled to on the table.  It is money they will never see.
 

No. You do need to completely document what your losses are for every
area of coverage which applies to your situation.  i.e., structure,
contents, loss of use, business interruption, extra expense...etc
 

No. The fact that you have experienced a significant loss has already
done all the damage.  The likelihood you will be non-renewed by your
carrier at the end of the adjustment process (and usually at your next
renewal date) is high.
 

No, Replacement Cost policies require you to actually rebuild the structure or replace an article before the insurance company will pay the full cost of replacement.

Before replacement, the insurance company pays you a depreciated (reduced) amount the insurance company calls actual cash value (ACV).  Once the structure is rebuilt or an item is replaced (with your own money) you must prove to the insurance company that you paid the full replacement cost, only then will the insurance company pay you the difference.

Unfortunately, most insurance company adjusters do not understand indemnification or know the proper rules on depreciation.  Withholding any amount may be improper and usually excessive amounts are withheld.  By severely limiting the amount of funds you have immediately available to work with it is difficult if not impossible to ever recover all your entitlement.

Some insurance companies even wrongly try to withhold additional amounts such as sales tax, building permits, architects fees, freight costs and Overhead and Profit.