一般操作是这样的,屋主file claim, 保险公司赔款包括两部分:1. cash value (minus deductible) + 2. recoverable depreciation (如果保险是replacement cost), 支票1 马上给你,支票2 在roofer 完工之后给你,你要是一年内不修就forfeited. 我找的roofer satisfied with Insurance's payment, 就不向我收deductible 了。签了agreement 后,roofer 会向保险公司争取更多的赔偿,但是争取来也是roofer 得。The tricky thing is, by law, home owner must pay roofer their deductible shares, 但是,roofer knows how to work it around.