You can always file a claim with your insurance company and find out if they will pay for a new roof. But, some contractors want you to authorize the insurance company to pay them directly, which takes away all of your control over the work and the time frame. I would never do that. If your insurance will cover the roof, get three quotes and hire a good company. Also, I would never pay money in advance. I think McGinnis is a good roofer. He installed a friend's roof on a small house in the old part of The Villages for about $5,000. And, they didn't need to pay any money until the job was completed.
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