Roof replacement using insurance question

The pricing is done with estimating software that both the roofers and the insurance company uses. The roofer might absorb some of the deductible, but it is illegal for them to do so in the state of Louisiana. They take the estimate to replace the roof, subtract the deductible and the depreciation and send a check for the rest

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How exactly do I get a new roof without paying out of pocket?

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I don't see this happening in your situation.

Don’t tell the roofer what your insurance company paid you. Offer to pay in cash for an amount less than what your insurer actually pays you. Many roofers can do the work considerably less than the amount of the estimate.

Also, if you have an RCV policy (replacement cost), the insurer pays initially based on ACV (actual cash value, meaning replacement cost less depreciation).

If you have RCV, you can submit a claim for your depreciation holdback if the roof repairs exceed the ACV amount.

Lastly, don’t sign any assignment of benefits for the roofing company.

Where are you located? I could talk to you about it and help you with the process. It's what I do every day. Or you can email me and we exchange numbers. I'd be a 15 minute read if I tried to explain it well.

Check for any items that the adjuster missed that could bring up your $ total? i.e.. gutter dents, fence damage (dents in the fence), AC dents to the coils, personal property in the yard that was damaged etc. Any item that has a dent/damage can be paid for. This can offset some of the cost of your deductible.
Some adjusters are in a rush and only look at the roof.