No it's not a scam. Yes your insurance company will inspect for damage before approving the work. A recent building code change requires shingles that have a higher speed rating, so if your roof has damage and you have 3tab shingles the roof cannot be repaired and meet code, hence a complete roof replacement. Your insurance may not cover the difference in price if you don't have the correct coverage. I just had our 13 year old roof replaced. If you want more info, feel free to call me 813seven311doubleoseven.
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