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I recently went through this, and my insurance gave me full reimbursement, even for depreciation, but held back 25% of the funds until the work was done and I showed proof of cost. So, while they initially gave me roughly $8k of a $12k claim, I needed to submit an invoice to get the remaining $3k.
As someone who owns a roofing firm and has personally gotten close to 200 roofs fully approved through insurance, I can tell you it’s not always a scam. Many reputable roofing companies do go door-to-door after storms because it’s often the only way to inform homeowners that their property might have damage covered by their insurance. The benefit of the doubt often goes to the homeowner when it comes to storm damage.
From my own experience with three insurance claims in five years, I would advise you to never tell the contractor it’s an insurance job right away. I’ve found that this keeps their initial pricing more honest because they don’t assume they can inflate the cost and get it covered by the insurance company.
I’ve learned to be very wary of roofers who go door-to-door after storms. In my area, after a big hail storm, I had three companies not even located near me trying to sell me a new roof. This made me realize the importance of choosing a local company that has been around for a while to avoid potential scams.
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