What To Do

It’s really quite simple: Find a QUALITY roofing contractor (Compassion Roofing & Remodeling) that has good references & that you think will provide you with the highest level of service and highest level of integrity. Let them negotiate the cost of your roof replacement and pay your full & legally required deductible. You are only required to pay your deductible the insurance company will take care of the rest.
If you have a problem with your deductible, maybe the QUALITY roofing company can finance it. If not then maybe you need to rethink your premiums. A higher premium will mean a lower deductible, but YOU, the consumer, are the one who makes that choice. 

Since roofing is by its very nature is dangerous and potentially deadly these kickbacks can be considered a first degree felony offense. At the minimum it’s a state jail felony. If you or “Joe the Roofer”  get caught doing it multiple times they can aggregate the charges. 

All it takes is one angry neighbor, an insurance companies Special Investigation Unit to audit an insured or the Texas Department of Insurance to investigate.