re: Need help haggling with liberty mutual after a hail storm (Long) - iwyLSUiwy shoutout pg 2

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and electing to keep the money instead of fixing cosmetic damage/doing it yourself.

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Had a public adjuster tell me that if you do elect to do this, you could be undervaluing your time (assuming O&P is not included). Your time is worth something, and just because you are doing the work instead of a professional does not mean the insurance company should get to reap those savings. You can't justify charging as much, but there should be a labor charge included.

Have you considered/tried to get individual quotes for all areas and submitting those to the insurance carrier. Then those areas you will DIY, or defer to a later time, you can hold in your account until you are ready to move forward with those jobs? May not be as much as the roofer's invoice that included everything; but will probably be more than insurance is willing to pay right now.