Does anyone know how insurance company's work as far as patch jobs or whole roof repair?

My home had a large tree fall on my home during hurricane Irene, I contacted liberty mutual and they are sending an adjuster out next week, I was wondering how the process works. A large corner of my home has damaged shingles and damage to the sofit as well as the gutter and wood under the shingles. Would they replace just what was damaged or would they just replace the whole roof considering the roof is between 20-25 years old.

Asked By: Ken L - 9/3/2011
Best Answer - Chosen by Asker
The adjuster will tell you everything... More
Answered By: Marko - 9/3/2011
Additional Answers (1)
Hi, 2 years ago I had a large branch fall on my garage in Michigan. My home owners allowed me to hire my own contractors to survey the damage. My insurance wanted to see photos of the damage, but ultimately replaced the whole roof. My roof was pretty old too! But a garage roof vs. a home roof could make a difference in... More
Answered By: Donald Smith - 9/3/2011
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