Adjuster's estimate came in $11,200 short of actual contractor bids. What do I do now?

Had a bad hailstorm hit our neighborhood in March. I filed immediately, adjuster came out, walked the roof for about 20 minutes, and sent me a Xactimate estimate for $6,800 to repair the roof. I got three contractor bids - $14,000, $17,500, and $15,900. Every single contractor who looked at it said full replacement was necessary, not repair. The adjuster's estimate covered maybe a third of what this is actually going to cost.

I've been back and forth with my insurer for five weeks. I sent them the three bids with itemized breakdowns. Their response was basically that they stand by their adjuster's estimate and that contractor pricing "varies widely" in my market. That's not an answer. The Xactimate pricing is based on regional data that's clearly out of date - none of these contractors will touch the job at the rates the insurer is using. I asked specifically which line items they thought were inflated and never got a straight answer.

I'm now wondering if I need to hire a public adjuster or invoke the appraisal clause in my policy. Has anyone dealt with a gap this large between insurer estimate and real contractor costs? What actually moved the needle for you?