Homeowners insurance check for damage?

Sometimes the insurance company offers "actual cash value" settlement until the work has been completed. Replacement cost coverage is paid once finished and the company requests the receipt for doentation. So .... that may be what has happened and if you don't provide the receipt, you may not get the full replacement cost. However, on the other hand, it is unethical and fraudulent to turn one receipt in for damages and then profit from a lower bid. So, I would definitely return the difference.