If the roofer walked the roof to check for soft spots and inspect chimney toppers, flashing, looked into attic, etc. then estimate will likely be closer to accurate.A roofer needs to have insurance and also any required permits to do the job.

Don't chase online or TV rates as they are all VERY BEST CASE and there is a reason they have that un-readable disclaimer paragraph that flashes at the bottom of the screen 2.

NEWS FLASH: Football is a religion in the SEC.  

For example, you can purchase Named Storm (Hurricanes/Tropical Storms) coverage separately for coastal locations or Flood coverage separately for locations in areas that have a risk of river or flash flooding...or Earthquake too, though at times the cost for those coverages may be more than you'd like to spend...

The key is to study the key-terms and make flash-cards.

@John Bannister it is leaking from the framing above the windows so I suspect it is something with the window flashing or gutters.

If it has established shade trees, a swamp cooler or split system and isn't in a low point where the flash floods go, even better.   

Retail Scenario using flash funding: $155K - $20K (repairs) x 95% discount= $128K fair market value

Every guru there will want to sell you something, of course, and after attending the seminars I see the old practice of flashing big checks up on the screen and claiming that you can make a million dollars with no effort still hasn't died with some of these guys.

Flash forward 6 years and I now have a beautiful fiancé, promising career, and a non-friendly (but sometimes cute) chihuahua but not another property!