When damage is found, the insurance company might offer to pay for a "repair" (replacing a few shingles) rather than a full roof replacement. How do you know if a repair is enough?
The Brittle Test
As shingles age, they become brittle. If a roofer tries to lift a shingle to replace the one underneath it, the top shingle might crack. If the roof is too brittle to be repaired, the insurance company usually owes for a full replacement.
Matching Issues
If your shingles are faded or discontinued, a patch job will look like a checkerboard. Many states have "matching laws" that require the insurer to replace the whole slope or roof if a reasonable match cannot be found.
Extent of Damage
Generally, if a certain percentage of the roof is damaged (often around 25-30%), it makes more economic sense to replace the entire system.
ClaimFuse's experts know how to document brittleness and matching issues to argue for the full replacement you deserve.