Document the property.
Measurements, photos and visible conditions create a clean starting record for the roof itself.
Keep the roof photos, measurements, insurer paperwork and real contractor pricing around the same property. Then turn the file into a short list of things you can actually review.
When those three things get mixed together, homeowners end up arguing about paperwork they do not understand or accepting a roofing decision before they know the real project price.
Measurements, photos and visible conditions create a clean starting record for the roof itself.
Organize the estimate and supporting documents so unclear, missing or inconsistent items are easier to identify for review.
Compare contractor offers separately from the insurer's coverage decision so the real project cost stays visible.
A document review should help you understand what the estimate contains, what appears unclear, and which roof evidence belongs next to the question.
Know the roof, understand the documents, then compare the actual work.