I've known of claims on autos where the insurer chose to repair rather than total based on the initial estimates plus time, as rental car figured into the cost. Then there was a huge delay in the work, adding an extra three weeks of rental car which was all at high rate as unplanned. So, the repair ended up costing more than the value of the car, but that just wasn't known going in. So, car was repaired and actually owner was very happy as the owner doesn't think they could have found the same car very easily.
We don't get to choose what we want or wish had happened. If I had a boat 70% destroyed, I'd sure wish it had been 100%. It's like auto theft. Car gets stolen and not found for 48 hours. Do you want it found now? I don't as by now it's either wrecked badly somewhere or work started in a chop shop. I have a friend who has his car found off the road and into a tree. So, first, car was held as part of the investigation, then he had to wait for repairs, then traded it in and got far less than it's pre-theft value.
One thing insurance seldom covers is loss of value.