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It doesn't work that way, They don't pay by the square in Iowa or any state.
As the roofing contractor, you just submit a bid proposal to the homeowner for the entire job. The home owner either accepts your bid or they don't accept it. The homeowner then, upon acceptance of your offer, forwards your bid to the Insurance Adjuster, If your bid is reasonable then they will accept it also and authorize the work to begin.
You don't get to ad-on costs after the job is done. No contractor over-ride or profit margins get added after the job. You need to include all that in your initial bid for the roof. If you attempt to add additional after the job is done, the company will likely reject you bill.
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