Hail damage in Colorado Springs - OOP vs insurance math

Got hit by that big hail storm and have significant roof damage. Adjuster approved $18k for new roof but my deductible is $5k (its a percentage based wind/hail deductible).

Roofer is offering to "work with my insurance" which I know probably means waiving deductible somehow. Is this even legal in Colorado? I dont want to commit insurance fraud but also dont want to pay $5k out of pocket when the roof needs full replacement either way.