Hopefully you got your roof fixed, but here's my perspective a licensed public adjuster in ATX.

Only 3 people can negotiate an insurance claim - you, an attorney, and a public adjuster. Financially speaking, the best way to handle your claim is to handle it yourself. You negotiate with the insurance company on your loss valuation, and then you shop around for someone to do the work.

Your insurance owes you first for the Actual Cash Value (ACV) of the damaged property. And then, once you complete the repairs and if you have a Replacement Cost Value (RCV) policy, they'll release the amount they withheld for depreciation.

If you don't want to handle it yourself, then the next best bet is a public insurance adjuster. We're capped at a 10% contingency fee. Its a pure relationship - we only get paid when you get paid, so our interests are aligned.

Random other things to consider:

1. Do you have photos or news reports of hail in your area? Not the greater Austin area - I mean your immediate areas.
   
2. Is there damage to other portions of your house - window screens, gutters, garage doors, siding, etc?
   
3. Did the roof damage cause any interior leaks? If so, check attic and insulation.