Pam I need a new roof.. Insurance company said they will pay for a new roof, but we cant seem to agree on price.. They say it costs 12K to replace my roof, I have three roofing companys that say 20K. I have had three emergency dry in's and it seems like I a gonna need a fourth.. Lots of flood damage here too.. Insurance just sent me their adjusters summary and its way off.. Almost 50% less than what I have been quoted.. I am suppose to be in good hands, but the only hands I have seen have been in my pocket..