Can I sue my homeowners insurance company for low balling me on roof replacement?

Question Details: I experienced roof damage from a hurricane and filed a homeowner's insurance claim. The insurance company has agreed that I need a new roof and has basically stated that I can replace the roof for $3185 which is my policy deductible. The lowest roof replacement estimate I have gotten so far is $7960 with another estimate of $9800. Can I take legal action against my homeowner's insurer to pay the balance of my roof replacementless my deductible of $3185.

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