Ike left me with roof damage and water got into the house on the second story and down into the first story. My deductible is 3% ($5700) , ouch! I spoke to a contractor who advertised no out of pocket. After I spoke to him he said no out of pocket was for 1% and sometime 2% deductibles. He told me he could help me but probably not $0 out of pocket. How does that work? He said he would meet the claims adjuster at my house and point out as much damage as he could. Will I be able to use the contractor or will the insurance make me shop around? Last question, will the insurance cut me a check to pay him or will they pay him? Any help is much appreciated. This is my first HOI claim and I have only owned our house, which is our first home, for 2 years.