@Wendy Man Wendy, this is a 3yr old tread! lol
From a person that's been in the roofing industry a LONG time now ... (J's Roofing, Richardson, TX area) ... Most roofing co's do not want to give a "quote." Why? Because they make a LOT more $ doing it by the insurance #'s. I.e We write Estimates all the time, not a problem for us and that is our normal procedure. BUT, if someone tells us ... "can you just get with the ins co and handle it all? I don't have the time to handle this right now (or similar reasoning)." SURE we can! Why? Because we'll easily make $2-5K MORE on the job than the typical Estimate quote. Sure we'll be doing more leg work with it, more I's to dot, T's to cross, etc but, for that extra $, it's a no brainer! lolol
You want honesty and transparency, there ya go! LMAO So bottom line is, depending how you have the insurance coverage set up on the property (this matter a LOT), and knowing that the ins co's only pay to replace a roof for valid Hail or Wind damage (not longevity or leaks), and more factors to consider ... see if your going to pay out of pocket or file a claim. AND, if all others in the area are getting new roofs because of a past storm... even if you don't file a claim, your rate WILL be going up as well. Other than reviewing the specific policy, They also look at the area in question... if most have claims, all policies in that area ARE going to go up.
Hope that helps clear things up a bit. If you have questions feel free to send a message or contact us. :)