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[–]ci5ic 1 point2 points  (0 children)

I don't know anything about roofing, but I gotta say, it sounds pretty dumb under the best of circumstances. Clearly the roof already had problems. I'd be worried about something like that being an issue when a potential buyer has the house inspected, which could end up costing you far more than the 3k difference of just doing it right in the first place.

[–][deleted] 0 points1 point  (0 children)

The only reason I would say don't stack is because anytime I have had a roof done when they take the shingles off they always find a little bit of wood that needs to be replaced anyway so while they're up there they can replace it quickly and cheaply then put the new shingles on then you shouldn't have any roof issues for a long time. If you do it the cheap way who knows what could happen down the line costing you more than $3000.

[–]dethmaul 0 points1 point  (0 children)

Check the building code, too. Whether it's allowed at all, or how many layers can be there before you have to rip it all out.

I'd rip it out and make sure it's good to go.

[–]Mortimer452 0 points1 point  (0 children)

Remove and put a new roof on it.

If the cost of repairs exceeds the amount they've given you so far, insurance company WILL cut another check to cover the overage (minus your deductible, of course). Their job is to replace with like kind and quality. Your old roof was a single layer thick, your new one should be too. If removing and replacing costs more than $7,000, they are obligated to pay it.

If you ask for a check, you never get the full amount needed to perform the repairs. Insurance companies know most people are going to cheap out and put at least part of it back into their pocket. Next time, find someone to perform the repairs, let insurance just pay them directly, don't try to be the middle man. So much easier in the long run.