[cudgy]

Are you saying that the insurance companies are paying 4 to 5 times cost to repair roof, but then at the same time saying that adjusters are only paying out 50 to 90% of the actual cost?

That doesn’t make sense. The former which you were claiming is fraud seems unlikely to be approved by an insurance company. The cost to replace roofs is well known. Why would they pay 4 to 5 times the amount? The latter point regarding adjusters only paying 50-90% of the actual cost sounds more like the real insurance companies that I’ve ever dealt with.

Furthermore, building permits and requiring licensed contractors to repair the roof and replace the roof are not only to protect you, but to protect any poor person that comes to buy your home from having to deal with shoddy repairs from well-meaning homeowners.