Not legally.  Most insurance policies are replacement cost value policies, which means the insurance will pay whatever it costs you to do the repair, minus your deductible.  The Scope of Loss the insurance company provides is the maximum amount the insurance company will pay for the repair.  After the work is complete, we send the insurance company an invoice showing the amount we charged you for the work we did. Beware of companies that offer to waive your deductible or give you money back for your claim.  Some roofing companies will send invoices to the insurance companies stating they charged customers more than they actually did in order to waive a deductible or let the customer keep money.  This is insurance fraud and it’s illegal. HOUSE BILL No. 2307 Sec. 3