Joshua Putnam wrote:
....
The way most insurance policies are written, you'll get depreciated
Actual Cash Value if you want a check up-front, Replacement Cost paid
only after the replacement work is done.
....

Not quite what I said (at least meant, anyway)...I inferred the OP's
proposed repairer was asking the check be signed over to him (the
roofer) not given to the homeowner...