From my experience with Allstate. they will give you a very fair, and thorough inspection. Then will give you a check to have it fixed. IF you have it financed. The check will have the banks name on it as well.
When they did our TT roof hail damage. they paid for a new roof. We determined the roof did not need replacing, or anything. So we used the money to pay against the loan. The only real choice as the bank had to sign off on it. You have to use it for the TT. in one way or another.
7 years after the hail storm. We sold the TT. The roof NEVER leaked