Could you please give me some advice on how to deal with roofing companies in case I have to pay out of pocket. The house is located in Greater St. Louis area (Southern Illinois), the roof is 3 years old, one layer of asphalt shingles. After a hail storm, I called a roofing company. They performed inspection and showed me some pictures where maybe 5-8 shingles were damaged. They suggested I replace the entire roof. For all I could see, they would replace the entire house if they could, because they assumed the insurer was going to pay for it all.
Because my deductible is high (10K), the insurance company said it didn’t make sense to get the adjuster involved. I explained the situation to the roofing company and asked them to replace just the damaged shingles and powerwash the house. They have been very slow to respond, so I contacted a couple of other contractors, but, again, they are not getting back to me. Is that because I told them upfront that I had to pay out of pocket and I wanted to replace just the damaged shingles? Do you have any tips on how to get the roof fixed in that situation?