to sign a contract so they can work directly with your insurance. They will then try to max out how much money they can get from your insurance. They don't actually give you a bid on your roof. A real roofer will give you a bid on your roof and you can compare it to what insurance will pay. In my case the roofer was under what insurance would pay by quite a bit. It is confusing because the insurance company will send you a depreciated value check then you have to get the roof done, and then they will send you the balance after it is done up to the amount the calculated.

Would love more info and correction on this if I am wrong or from others who have been through the process.