When you file a claim with homeowners insurance and get 3 different estimates do you have to take the estimate the insurance company agrees on?

No, you are not obligated to accept the estimate that the insurance company agrees on. While the insurer may provide their own estimate for the claim, you can choose to negotiate or use one of the other estimates you received. It's important to communicate with your insurance adjuster and ensure that all necessary repairs are fairly covered according to your policy. Ultimately, the decision on which estimate to proceed with may depend on the terms of your policy and any negotiations you undertake.