Generally, when the insurance representatives come out to inspect a storm damage claim, they are looking for evidence of hail and wind damage. They are usually willing to pay for the replacement of the broken shingles if they find that the damage was due to these factors. However, you're still usually responsible for funding the repairs as the insurance company will just pay for the shingles, themselves. In most situations, they will have to see evidence of damage on all sides of a roof in order to warrant a full roof replacement.
That's not the case with the Atlas Chalet defective shingles, though. A whole new roof could be warranted if they find just one damaged atlas shingle. Because Atlas Chalet shingles aren't available anymore by Atlas Roofing, they can't just get a replacement shingle to match, so the whole roof has to be replaced in order for it to look consistent.
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