Is there a difference in the quality of roofing materials?

Yes, there is always a difference. Unless you are the kind of person that would rather have a microwave burrito rather than one from a restaurant. What I am saying is there is always a difference, they may look the same but they are not the same. This is why there is a difference in price, However, If insurance is paying for an authentic burrito from a high-quality restaurant and you would rather have a microwave burrito, then have at it.