So I have hail damage. My insurance company's estimate came in at $7,900 (including gutter covers). Two A-rated roofers gave me exactly the same estimate: $7,050 (not including gutter covers). I can live without the gutter covers. Everyone I talk to tells me that I can get the job done without paying my $1,000 deductible. My insurance company requires a receipt after the work is done though. Should I be looking at more like C-rated roofers that will fudge numbers for me? One of the roofers was talking about ACV and depreciation and I zoned out.These A-types are stand-up companies and I'm not sure they'll be willing to commit the fraud I desire. On the other hand, I want the work to be good. What's a homeowner to do?
