said by walta:
There is no mortgage is the insurance going to cut a check based on the estimate.
Have you read the Policy and its endorsements? No one here can accurately answer that question without the ability to do that. There are different Policies that cover Landlords and their Rentals. And each State has different rules as to what is offered and what they wish to be covered at a bare minimum.
Even who the Company is can determine how they will handle the Claim. When I started in the late 70's, one Company I was with was very tight. Move ahead a couple of years and a different Employer. They were extremely generous and had different Claims handling philosophies. Made my job that much more easy.
Also may want to get more than one estimate, which I highly recommend.
Good luck taking care of this for your Aunt.