Does anyone insure their modifications on their cars?

I dont know what the adjuster did, all I know is that I went to shops and they said approx $1500 for the bodywork and tossed a few more dollars on if there was any suspension or underlying damage. I didnt like the amount the shops were saying so I had the lady’s insurance come out and check out the car.

it may have been around $2800 im not sure I just know it was over $2500