Insurance Adjuster Estimate Way Off?


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A large tree branch fell on top of the roof of my 2020 Impreza Sport. The roof frame is clearly distorted. The insurance adjuster has estimated the damage to be $3,519. In my opinion the top frame is a critical structural component to the vehicle and should be replaced with new. Is $3,500 enough?

How should I go about receiving another estimate of the damages? Should I take it to a Subaru dealership? Is there an independent third party adjuster I can use?
Appreciate any help!
 

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