Is $7,900 to replace 18 squares of roofing a fair price?

All my neighbors are or have gotten their roofs replaced, mostly by insurance, so I had someone come out. There is some hail damage and some wind damage, but no leaks as I've been in both attics regularly. It looks like Farmer's added the ACV endorsement my last renewal, so the roof calculation would depreciate 66% and I'd have a 1% deductible ($4K), meaning I would technically need to pay out of pocket. I'm getting four more quotes this week. I'm trying to decide if it's worth it to (1) pay out of pocket, (2) try to change insurance companies, or (3) wait a bit until I need to do it. BTW, adulting sucks. Once I replace, I'll make sure the policies don't convert to ACV now that I know what it is. I'm manageable under $10K but I don't want to spend more than necessary.