Roof damage can be difficult to see and often the signs of damage are hidden or hard to find. Some signs to look for are darkened spots on the roof, knocked off roof granules and loose or broken shingles. Also be aware of more noticeable damage such as water spots or stains on ceilings and walls, in corners or around windows. You may think that its only one shingle that’s missing its no big deal, however even one missing or broken roof shingle can have catastrophic effects on the roof.
What Insurance Carriers typically try to do is just payout for a patch on the Roof. In general the roof actually needs to be replaced entirely, as opposed to just being patched. A patch it only a temporary fix and not only does it lowers the value of the roof and the house itself but is also prone to leaks.