Real Estate Law
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I am sorry you are dealing with this situation. Whether you can force the insurance company to pay for an entire new roof will depend on the language of the policy itself. Typically in a policy it will state that only damaged portion will be replaced unless the roof is a certain age (ie. 20 years old) . In addition there will be a formula if indeed the roof is older then the threshold age in which depreciation of the roof is taking into account. Other policies specifically state only the damaged portion will be replaced regardless of age.
While I agree with you I would want the entire roof to be replaced from an aesthetic reason, if your lucky enough for the policy to cover tree damage, the policy likely limits repairs to the damaged area.
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