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There are many factors that affect the damage on an individual house, such as age, quality and condition of the roofing, tree coverage, and how steep a roof is.  Your neighbor may have experienced more damage than your house.  The insurance company will only pay for the actual damage to your home. If the entire roof was not damaged then the insurance company will not pay for the whole roof.  It is always best to have your roofing contractor there at the time of the appointment with the adjuster. This ensures that the adjuster has calculated and assessed the same amount of damage as the contractor, and the contractor can assist with pictures, drone video, and even get on the roof if the adjuster is not willing to get on the roof.