non paying customers .

OP, that sux, too many jobs like that and you will be out of business. RRR I can understand your situation, the only way I see that going bad is if the roofer didnt know about it up front(that he was dealing with insurance co.) some guys dont like dealing with insurance claims while others do. Bodywork for example, I ran into a body shop that would only do insurance work and turned me away for wanting to pay cash go figure.