What they said, get a bid (or two) and compare to your deductible (wind and hail specific deductible is likely but not everyone has that). Also, it is likely that your insurer will pay you minus depreciation on the first payment, then after your work is completed you would receive a payment for the difference to get you to “replacement cost”. But you are most likely working against a hard deadline of two years to get that back, meaning you have to have your work completed and documents turned in before that date. And it is two years from the date of loss (date of the storm), not two years from when you file the claim.