Roof damage

[montela]

Hello ABledsoe:
Yes, the missing shingles are a problem; they will allow leaks in the next rain.
My roof had considerable damage from the wind today too. I think one bundle of shingles will repair it and than's far less than my $500 deductible with Farm Bureau.
The average life of the new fiberglass shingles is 12 to 20 years. I know, they have a 20 year LIMITED warranty (notice one word is larger than warranty). Roofing companies can show you at least 15 things you didn't do according to the instructions, thus voiding the warranty.
In your case I would recommend removing the old shingles and replacing them with new ones. Take several detailed pictures of the roof and see your agent (check your deductible first) and you may even want to get an estimate of the cost first. Your agent knows several roofing companies that work well with him and will be glad to tell you their names.

[mariyasmth11]

The insurance company might also only send someone to replace the missing shingles. I had a three tab that only lasted about 7 years, which is the average in my area. I went with a laminated shingle which looks much better and you'll get closer to the warranty for life expectancy.

[frederi]

There are different things that come into play. If your roof was damaged along w/ MANY others in the area due to a storm (I'm in Texas and used to hail storms) the insurance companies will send out teams from other areas to go out on the claims they get. If yours is not in that scenario then you would still call it in as you would any other time and they would send out an inspector.