If you need roof installation, replacement or repair, you will probably have to sign a roofing contract. However, not all contracts should be signed, and you have probably heard that you shouldn’t sign one whose estimate exceeds your insurance claim amount.
Ideally, it would be best to work with a roofing contractor who will come up with an estimate to replace with the kind and quality you want.
If the estimate given by your roofing contracting company turns out to be higher than your insurance claim amount, then the best course of action would be for your insurance company to adjust their amount to match the estimate.
Most homeowners worry about paying the difference between their roofer’s estimate and what their insurance company will pay.
Still, you shouldn’t have to worry about that if you have replacement cost value coverage. Why? Because your insurance company is obligated to pay for the kind and quality of roof you want as long as you can prove that the materials required are reasonable and necessary.