My brother/friend/husband is a contractor, they’ll take care of it

So your brother/friend/husband is a contractor. That’s great, but you first need to get the money to do the work. A contractor has no legal negotiating power with insurance carriers to insure you get the necessary funds. It wouldn’t make sense to pay for your roofing, siding, gutters etc. when you’re already paying your insurance company to cover those expenses. Let Matrix Adjusters get the indemnities you deserve and then you can have your brother/friend/husband do the work if you choose to do so.