My guess is that you do have an HO-3 or comparable. Might just have a proprietary name that your insurance company gives it. My own homeowners policy is called a VIP Homeowners Deluxe.
What you posted was helpful but doesn't jive with what you wrote earlier. You wrote that you got a check for $10,000. What I see on the worksheet is as follows:
Repair cost dwelling (roof and interior) 11482.73
Repair cost other structures (probably the fence) 1546.41
Subtotal 13029.14
Wind deductible 3260
The check should have been 9769.14 (well, that's close to 10000)
So when you say you can't do the repairs for 10000 you are correct, you probably can't. But you should be able to do them for about 13000. You just have to kick in another 3260 out of your own pocket.
As for any individual costs, let's start with the roof. The 5821.78 for the main roof appears adequate for labor and materials. Assuming the 20.36 squares (2036 sq ft - a square is 100 sq ft) is correct that comes to about 286 per square which should be about right for removing the old roofing and installing new roofing. You can confirm that just by calling a roofing company and asking how much per square to tear off and replace the roof.
Moving on, it looks like you have two flat patio roofs and those prices don't seem out of line either. I can't tell if the flat roof sections are included in the 20.36 squares. You can look through the estimate pages and find out.
At any rate, some roofers do just shingled roofs and other do just flat roofs. You might be able to find one company that does both.
One thing I don't find in your insurance company's estimate is Contractor's Overhead and Profit which should add about 20% or 25% to the gross amounts of the claim before the deductible (unless it's in the other pages of the estimate).
In 2013 the Florida Supreme Court ruled that a homeowner’s insurer was required under the language of the insurance policy and Florida claims statutes to include a general contractor’s overhead and profit as part of replacement cost coverage if the insured was reasonably likely to need a general contractor for repairs, even where the insured had not yet replaced or repaired the dwelling.
See the following article:
https://www.hunton.com/files/News/1...Supreme_Court_General_Contractor_Overhead.pdf
Your repairs involve multiple building trades so you'd be reasonably likely to need a general contractor for repairs and thus be entitled to have the Overhead and Profit paid to you up front. Call your company's adjuster and remind him of that and of the Florida Supreme Court's decision if necessary.
No need to mention that you might not be using a general contractor for all the work.
I don't see any problem endorsing the check over to the bank at this point but I suggest you talk the people who handle property claims checks, usually called the Hazard Insurance Department, and find out the procedure for releasing the money back to you to pay for the repairs. Also find out exactly where and to whom you send the check to and send it certified return receipt. Hopefully there is just one person whose name you can get that you will deal with throughout.
If the insurance company owes you more money for the repair work they can issue a supplement check.
Meantime you have to kick in the 3260 of your own money anyway so you ought to be able to make arrangement with roofers to take part pay and wait for the balance.
Be careful about how much money you give any contractor up front. The lesser the better and make sure you get a written contract that you thoroughly read and understand before you sign.
Let me know if you have any more questions.
