https://businesssuccesstips.co/how-to-know-if-you-should-sign-a-roofing-contract/

There is a requirement to sign a contract in order to conduct repairs, replacements, or the installation. You may not need to sign all contracts. In fact you may have heard that you should only accept estimates to the extent that your insurance policy allows.
It is best to engage a roofer who can provide an estimate of the cost to replace the kind and the quality of your roofing system.
If the amount estimated by the roofing contractor will be greater than the insurance amount, then the best solution is that your insurance company adjust their amount to match the estimate.
Last Thoughts
Most homeowners are worried about the expense of paying an extra fee to their roofer as well as their insurance company. There is no need to be concerned about this if the replacement cost value insurance will cover you. Why? The insurance company will reimburse you the price for the roof that you prefer, so long as you show that the cost is fair.
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