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It doesn't work like that.
The insurance company will pay claims for roof repairs or replacement that are consistent with the local market and consitent with the damages incurred.
If you try to overcharge for the repairs, then the homeowner will be stuck for the remainder of the bill that is not paid by the insurer.
A contractor simply submits a bid to the homeowner. If the homeowner chooses you as their roof contractor then they will submit that to the insurer for approval. The company will then pay the bill so long as it is reasonable and within the expected market range for that area.
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