[bsmith0404]

It doesn't matter how it's done if you get repairs done at a shop. The insurance will give an estimate based on what they can see. The repair shop will file a supplemental claim if more damage is found and the insurance will approve it and pay them. If you do repairs yourself, you will not be able to file a supplemental claim so making sure they find everything initially is important.

As for damage to the framing under the roof membrane, it's probably not that likely if the membrane itself isn't damaged. The sheathing under the membrane will actually absorb a lot of hits, almost like a sponge.