I'm a homeowners claims adjuster. I talk to contractors every day and work with them. I also hop on the roof and measure myself, write my own estimates. Good advice to get a reliable local roofer and not a "storm chaser".
The price difference in materials between 3 tab and 30yr is negligible so the 30 year makes sense. Have your contractor bid to remove and replace with 3 tab and send that bid to your insurance company if it is higher than the current settlement. They owe you the reasonable cost of repair for the quality of material you had. Upgrading is on you, but again that price difference should be under a thousand.
We miss stuff and revise estimates all the time, that's why its just called an "estimate". As long as the contractor isn't charging an unreasonably high price (out of line for the area) I can always work it out. The adjuster will need to know the reason for the increase, forgot drip edge, etc.
If the insurance company is paying to replace your roof, at the end all it should cost you is your deductible and the materials price difference between 3 tab and 30 yr.
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