What happens to the left over money from an homeowners fire insurance claim

I originally got a estimate from a lic. contractor for work that needed to be done to my home from a fire claim. Insurance paid close to the amount of the estimate. I received payment to do the repairs, based on original contractors bid. I chose after receiving payment from my homeowners insurance company to get a second and third estimate. The second and third contractors estimate said that i had a closed hvac system and that there was no way it got contaminated from smoke and it only needed to be serviced and new coverings put around the air ducts and air ducts needed cleaning. So that is what I did. I was paid by insurance company to replace all hvac system. Do I have to give the left over hvac money back to my insurance company?”

Asked July 20, 2017