Demand an inspection by a qualified insurance adjuster who has more experience than automotive fender benders.
In answer to your question on cost of a roof, I tore a hole in my Montana fifth wheel via a tree branch. The cost of a new roof was $4500 and that was 8 years ago. Insurance paid it, but since I was in motion, they charged the collision portion of the policy. By doing that, I was charged as having an accident. My insurance rates on all automotive policies were renewed an an increased rate for the next three years.
Making a smooth transition to senility for over 70 years
2017 Freedom Elite 29fe
2015 Jeep Wrangler Toad