NEVER agree to pay a roofing contractor up front to get the job started. Beware of contractors asking for a deposit, for a percentage or for full payment in advance. Reputable roofing contractors never require money in advance. They will complete all repairs and await your insurance settlement. And look out for contractors who encourage you to spend money on temporary repairs. Payments for some temporary repairs to mitigate damages are covered as part of total insurance settlement. Speak with your insurance agent, and keep all receipts for temporary repairs you make yourself.