Let's just refer to you as " the builder"

Mac, you organize the quotes, " the builder "
first he quotes way over, enough for the fence and 2 boards, remeber one will be cheap, it's a pop out

and add on $1000 bucks.
Next guy comes, now find a dodge bloke, tell him the first quote he will under cut it buy a $500 or so.
Do it againwith another builder.
Then LL, sorry "the builder" rewrites a quote for the cost of a fence and the boards.
That is your lowest quote
Insurance pays " the builder" and hey presto....
New boards, new fence...
Disclaimer.... Insurance fraud is a crime..