Roofers?

[brutal]

Yes, depending on the policy.

There is replacement cost and actual cash value.

Replacement cost will pay to replace it with out depreciation.

Actual Cash Value will give you the depreciated value at the time of the loss on your roof.

Edit to add-

It is normal to only pay a bit up front and the rest upon completion. Keeps the storm chasers at bay.

Yup.

I just went through this (started). Roof and gutters. Almost $15K.

Insurance provided the claim details/estimate at FRC (full replacement cost). They pay FRC-depreciation-deductible. Ours (20 year old 19sq roof) and gutters was like $3,700 up front. If you have a mortgage and the amount is over a threshold they add the mortgage holder payee on the check. Our check had me, wife (on deed) and mortgage co.

Roofer then works directly with insurance from there.

They write their estimate using ins claim info. Endorse the check, pay them your deductible, and hand it over to them. They forward the check to the mortgage holder. They pull the permits. They were initially a little higher on roof and lower on gutters with their estimate but the total was very close.

When the work is completed, they invoice the ins carrier.

Any other deal is suspect. Avoid "chuck in a truck."

Insurance is going to pay ARC and not a penny more unless roofer finds and documents additional issues and may even have to get ins back out. Colorado has a specific provision to prevent any roofer from waiving/paying your deductible. To do so is considered ins fraud. If they're offering, I'd be suspicious.

We're using Colorado Superior Roofing & Exteriors who seems to have a stellar rep. They have a couple in the neighborhood going on. Getting Atlas Pinnacle shingles (highly rated).