Ok, try this. Check your figures. See what he has allowed you for the top and the labor. The insurance company SHOULD cover the price of labor, Period. As far as the top, find out what the formula is for depreciation. If it's (lets say) 80% than they should listen to you when you tell them that the top is not available at the price they have given you and that it needs to be "adjusted". Submit three estimates to them and argue.
Find out where the adjuster got HIS figures. They are based on something, even if it's just their book. If you have real life estimates, they are obliged to pay attention. The ONLY depreciation you should be taking is on the parts alone. Labor should be a full ride. Did he quote an OEM top? Well, you have the right to request OEM parts. (at least in many parts of the country) An OEM top and rear curtain is MUCH more expensive than aftermarket. You may try for OEM and then when you get paid for that, then get the aftermarket. If the adjuster bows his neck, which they WILL do, be firm. Tell him that he needs to send you to a shop that can and will do the work for the price that he has quoted. REMEMBER the adjusters are there to save the insurance company money, not YOU.
Kate