Am I Getting Ripped Off?

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Hi all, unsure of what to do here. Any advice is appreciated.

I own a building in Revere, MA that just got hit hard by extreme winds. The roof for the building is 2 layers: tar + gravel and rubber. Large sections of the rubber were peeling off last night due to winds catching under it and blowing it off. There were 60MPH winds in the area.

I had to hire an emergency contractor to stabilize the rest of the roof so it didnt blow off and hit another building / another person. My neighbor's rubber roof came straight off and blew into their yard. The contractor cost an arm and a leg, but I wasn't sure I had any options - who else could provide emergency services on a Monday night?

The contractor is offering me 2 options: get a new (15 square) roof for about $8k, or do a "roof tune up" for $3500. They say that my roof is salvageable and they would bring in some new materials and heavily reinforce the roof (secure each layer with 4 inch screws). It's backed by a 5 year guarantee and takes a day.

It's supposed to snow on Wedesday / Thursday in the area. I know nothing about roofs.... so it's unclear to me if the tar / gravel layer would do anything to stop water damage from the melting snow. Any input would be greatly appreciated as I need to make a decision fast. I doubt my insurance will cover the cost of a new roof. Haven't really dealt with anything of this scale before. 

Am I panicking? A little bit haha.