I don't know if this has already been addressed to your satisfaction, but I will give you, my experience.
Someone in the neighborhood was having it done and then another and before I knew it so was I.
What I found out was that depending on your insurance policy determined what your out of pocket was going to be.
I have Farmer, who are dropping me next year because they are leaving Florida. my total was $500.
It was a very pleasant experience, the only thing I had to do was pick out the color of the shingle from the samples presented to me which they had already cleared that I could use, and the job was completed in 3 days.
There are some in the neighborhood who did not have it done and after the hurricane suffered damage and have tarps on their roofs.
Check with your insurance company and see what they cover.
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