Do you have to tear off a roof if it's an insurance claim?
This is a broad question as it does not outline the
extensiveness of the damage to the roof. If there is only a section
damaged or a handful of shingles are blown off, the insurance
company will not 'give' you enough money to cover a tear off of
your roof.
If you choose to proceed with a 'tear off', make sure you
research the process and cost. There are some companies who will
increase their quote if they think you do not understand the
pricing structure.