looks like all of your questions were answered… but i’ll add my two cents in anyway.
with an insurance claim, all you need yo do, is choose the contractor you feel comfortable with, as long as they are willing to work from insurance company proceeds.
Why do you feel like you need to get estimates?
With people who are working with insurance money, and call around for “bids” I always ask them:
“what are you trying to accomplish with getting bids? its one of three things… #1 you are trying to save your insurance company money, #2 you are trying to put money in your pocket, or #3 you are trying to keep your out of pocket expense (deductible) as low as possible, or zero.”
people never say they are trying to save the ins co. money, and they always deny trying to illegally profit from an insurance claim (tho most of them really want to) so they all come down to #3 … “im trying to come out of pocket as little as possible” especially when there are thousands of dollars involved in the deductible.
you say you “already have the funds to replace the roof” but im guessing, unless your house is brand new, that they are holding depreciation back from your check, and will release it when the repairs are complete. so the simple fact, is… that you do NOT have all of the funds currently to complete the repairs.
here is how it works in 99% of claims with full replacement cost policies:
say its a $10,000 insurance bid.
say the roof is a 25 year roof, and its about 10 years old.
you have a $1,000 deductible.
the company holds back $4,000 for depreciation. this means, your $10,000 roof, minus your $1,000 deductible, and they hold the $4,000 depreciation (again, which is recoverable at the end of the repairs) leaving you with your first check in the amount of $5,000.
now… so you have your $5,000 in your hands. call around, and talk to roofers. have a few come out to discuss their business with you. if you just have 3 guys show up in trucks, say hello, and drop a bid in your lap and leave within 5 minutes, then how will you even detirmine who you want to use? some people go with the cheaper bid. some go with the local guy, some go with the guy who promises to be the best, blah blah blah.
but here is how it works…
so you have your $10,000 roof, that the insurance company is willing to release up to $9,000 of their money, IF you send them an invoice for $10,000, then they release the other $4,000.
homeowners often try to get bids for $9,000 to “save them their deductible” when in fact, that does nothing at all. what happens, is when your repairs are complete, and you send in your $9,000 invoice to get the rest of the depreciation released, the insurance company now has a $9,000 claim on their hands, instead of $10,000. so they hold your deductible out of the $9,000. making max payout of $8,000 and send you a check for $3,000 to pay the roofer, and in turn, you are STILL paying your $1,000 out of pocket.
now why did you do that? now you have a roofer who found a way to cut corners, and put a $1,000 cheaper roof on your biggest investment, costing him a HUGE amount of his profit, and all you accomplished was saving your insurance company $1,000.
of COURSE this is the way they want you to work the claim!!!
talk to the contractors, call references, drive by houses that they have completed work on, call your agent, and ask them if they have any preferred contractors in the area, then show them the adjusters estimate. ask them how long before repairs can begin. ask them how they plan on working with the insurance company, and how they plan on being fair, upfront, and honest with all parties involved.
ask them what they are going to do to HELP you complete your insurance claim, and all repairs.
the “hassle” you are experiencing, is because you are making it a hassle. stop calling around for blind bids on a roof that needs new shingles, and simply find someone that you trust to do the repairs correctly, and within a timely manner, and who will be there in the long run to give you a warranty. storm chasers will be there to put your shingles on, and then in two years wont be anywhere close to you if you have a problem. keep in mind, storm chasers often have local names, local numbers, and local offices… but that doesnt make them a local company.