I have the claim from the insurance company and I have a quote from a contractor. The claim is actually more than the quote. The thing is even though the claim is more than the quote I have to pay for the deductible no matter what. I understand this and it makes total sense to me. However I pinch pennies and I know I can replace the roof myself. The insurance company said if I do it myself they will cut me a check for the total amount of the claim minus the deductible. Basically I'll still come out ahead cash wise but I'll have to put the time into replacing the roof. The claim is itemized though. I had planned on putting shingles over the existing shingles and not replacing vents or gutters. The claim has itemized removal/disposal of shingles and replacing the vents and gutters. Will the insurance company still cut me a check for the total claim or cut me a check minus what I didn't do? I know a bunch of ya'll would like to speculate but I'm really looking for the real deal here.
Walt
Walt