We recently had a pretty good wind storm (100mph+) and it took care of a lot of my shingles.
Unfortunately they cut me a check for $2800 (that includes a window and bar-b-q that were damaged) and that's about $3K less than the lowest roofer bid to repair what he could, and around $8K less than all of the roofers "suggested I get done".
I called the insurance company for a re-look after one of the roofers offered to talk to the insurance company for us; and that has resulted in nothing but "explanations on why the check was the amount it was". The insurance company says they are not required to make the shingles match. The roofers say they can't physically match the shingles because they are different styles not just different colors.