Jason Infinity Roofer will likely hop in here and set you right

Sounds like you need a second estimate.

Yes, highly familiar.

First off, a phone call will be immensely more valuable to make sure I have all the info correct. It is free. I have helped countless ags with questions on this kind of thing. No BS, no sales pitches or free amazon gift cards. I just like educating folks on the process and making sure they have all the info they need to make good decisions. I insist on changing how we do things as an industry, one call at a time if I have to. LOL. Happy to help explain. My personal cell number is in my profile and you can reach me pretty much any time.

Now, unless I am missing something special about your roof, 90,000 is steep and I don't under stand how they arrived at that number. The most expensive roofing company in the nation doesn't charge that much in Austin, much less anywhere else. If I read it right, your depreciation is recoverable and you don't have that. Perhaps the roofing company is trying to get a lot more from USAA via supplements or some marketed upgrade program. I cannot speculate on that and I won't disparage another company as a matter of integrity. I'll only say that $90,000 is excessively high based on what I know from the original post.

If Insurance approved Class IV shingles, and the claim is estimated correctly (this is something I look at and asses to make sure my customers claim is paid correctly), then the roofer should have zero problem roofing it for the estimate approved by insurance.

It's very simple once it has been approved by the carrier. If insurance estimate was estimated properly (It is good 9/10 times), then I would install a Class IV shingle, I'd collect the deductible direct from you along with the roof part of the ACV they already sent. Then I would invoice for the remaining amount directly to you and the carrier so everyone is on the same page. USAA would release your depreciation, you pay the balance of the roof, and you're good to go. Deductible + ACV + Depreciation = Full replacement cost paid in full.

I've done thousands of claims from Austin, to SA, to BCS to Houston, and this isn't quite adding up, but again, I might not have all of the information.

You are on the right track to seek more info. Do not succomb to pressure at this point.

WhY iS InSuRaNcE sO hIgH tHeSe DaYs!?!?!?

Why would you bid out a job when your out of pocket cost is already set(your deductible) and if someone does come in cheaper, only the insurance company is saving money? You don't get to keep the money you "save". The insurance company will only pay what is invoiced.

Also, do you trust your insurance company, the cheapest *******s in the universe, to get their estimate right? Whether they accidentally mess up, or on purpose to shortchange you. Do you trust yourself to look at 20 pages of insurance documents and instinctively know it's correct?

Pick a roofer you trust, and let them do their job on the insurance claim. The reason to bid things out is to go with a lower bid, which only puts more money in the carriers pocket. Do your due diligence in getting recommendations for the roofing company via friends/network/online searches/etc. Ask questions and read the contract.

5000sf is 50 squares. At $1800/sq, they better be putting solid gold shingles up there.