You do not need to get 3 estimates if you have suffered a loss. Your insurance company uses a program called Xactimate to arrive at a total replacement cost. Xactimate has the exact cost of material and labor per the area your loss was suffered in. This program is used to keep their cost in line with the surrounding region. The insurance companies know what they will pay to the penny for your loss. Instead of focusing on price research a quality roofing company with the warranties, service and reviews that you are comfortable with. The insurance company does not warranty your project after its complete.