[stomachmonkey]

The insurance will pay it all, minus the deductible.

It's not legal for the roofer to promise to cover the deductible although they do, with a wink and a nod.

Like Mike said, it's a game.

Not sure about NJ but when a roofer acts as the GC, needs to bring in other trades like gutters, windows, fences, AC, they are allowed to charge 10% for profit and 10% for GC which is where they typically bury the deductible.

Not all insurers will pay it though. Farmers I know from going through it twice with them won't do it.

Now if the roofer is saying the actual costs (minus deductible) are higher than what insurance has estimated then it's the roofers job to work with insurance to get the additional monies justified / approved.