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Message: <blockquote data-quote="O4L" data-source="post: 1921551" data-attributes="member: 24429">If you find a roofer to do your roof for less than insurance proceeds, they usually do a sub-par job with sub-par materials.Don't be a cheap skate, and get the best roof that your insurance will pay for. If you don't, you are just short changing yourself.Insurance is supposed to be used to replace the roof, not put money in your pocket. If you take a check for your roof without a reliable roofing company involved, the insurance is more than likely not paying out as much as it should.Most people don't understand how depreciation works. You don't get paid on the depreciation until the roof is completed, and the insurance co., is billed, usually by the roofing co. They will only pay out what it actually costs to replace the roof, no more. If you or your roofer tell the insurance that it cost more than it actually did, that is what is called insurance fraud, and it comes with severe penalties.A lot of people will settle for a crappy roof job just to put a couple of bucks in their pockets, then they wonder why their roof doesn't last very long.Like most things, there is a right way, and a wrong way to getting your roof replaced.Good luck with your roofing adventure.</blockquote>