How to get the most out of your roof insurance claim

[BibleSamurai]

I got a question about recoverable depreciation. Lets use an example. Lets say a roof replacement cost is 10K with 50% recoverable depreciation and a 1K deductible. The insurance initial disbursement is 4K. But I find a roofer who can do the job for 9K. So I give him 4K. He completes the job. Do I have to give my deductible of 1k to roofer even though the recoverable depreciation check of 5K can cover the remaining balance? Or will insurance not cut a check until they see I paid roofer my deductible and then just cut me a 4k check?