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what are the pros and cons of having half of my roof replaced?

Cheryl W
last year

I had a tree fall on my home. The claim is under Wind coverage. The insurance company only wants to cover only where the tree fell. My roof does have some age. Their roofer said there was no damage anywhere else but it appears to be be lifted shingles all over. I have architectural shingles
To me it seems like buying 4 new tires for your vehicle is better than buying two new and leaving two bad. Can someone help me make sense to this?

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