I'll say this..Ford is 99.9% correct..We have been doing insurance work for many years and just about every single estimate the ins company figures is way low.Sometimes it can be a few hundred low on a small job and go all the way to $2-$5k+ low on bigger jobs....and the funny thing about it is when we turn our estimate in and go over with them why the job is gonna cost what our estimate is they stroke a check for the difference or usually get real close to what our estimate is.If they wasn't trying to lowball everybody when they have a claim then they wouldn't be so quick to make up the difference when you point out to them why the job cost what it actually does.Some companies are better than others..Ill say this..State Farm is terrible to deal with and Alfa is one of the best in the state to deal with.American Modern and Foremost are also terrible..Also one other thing since were on insurance companies..These dumbass engineers some of these companies have are some of the most idiotic people I have ever seen.We went yesterday to a job we put a metal roof on years ago.It was leaking into the garage where a 3" pipe goes through the roof and they also had a wall in the house where the paneling is starting to wrinkle up.Engineer came out from their Ins company and he climbed in the attic.He told the homeowner the ridge was leaking everywhere which is impossible.Anyway I got in the attic yesterday and what he saw was where the roof had leaked years ago and the blown I'm insulation had gotten wet then and dried.The dumbass just seen where it looked like water had dripped on it but didn't touch anything to actually see..Every single spot that looked like it had been wet was hard as concrete where it had been years since it had gotten wet and dried hard as a rock.I videoed everything in the attic showing that nothing had leaked in since we installed the metal.All the insulation that at one time had been wet I picked up and it come up in big pieces cause it had dried so hard.Not a single drop of eater anywhere in that attic but yet he told the homeowner it was leaking everywhere.Theyre is an Ac vent that blows directly on that wall wherethe paneling is bubbled up which is what's causing that.Ceiling is white as can be and had never been wet in that area.Now the 3" pipe boot in the garage was leaking just a little.For some reason the rubber had gotten stretched out around the pipe and there was a tiny crack on one side.We took care of that in just a few minutes but I'd love to take that engineer back up in that attic and show him why he's a dumbass.