Not if his insurance has a recoverable depreciation clause. Mine does, my quote was $9200 for my roof and siding, they are sending me a check for $5600 which is minus deductible and depreciation. if a i have contractor or buisness do the repairs i can submit a cert of completion with their letter head and then and only then will i be entitled to the rest. And even with that if the contractors quote is less than the adjustors they will only send what remainder is due. So if i dont use it i loose it, i just had my contractor do extra stuff.