Homeowners' insurance usually covers roof replacement or repair if the damage is caused by natural causes such as storm damage, fire, or a fallen tree. Most insurance policies do not usually cover damage from wear and tear or neglect. Contact your insurance provider to see what your specific plan covers. 

Yes, usually your insurance provider will require an inspection before you are able to file a claim.

Most insurance companies will allow you to choose your own roofing contractor to complete the inspection. Contact your insurance agency to see what their policies require.

If your roof is 20 years old or older, you might want to consider replacing the whole roof. If your roof is less than 20 years old you may be able to just repair the damaged sections. Take into consideration how many damaged portions there are, if they are spread out or consolidated, and if they are causing your roof to leak. If the damage is too severe, the entire roof may need to be replaced to prevent further issues.

A well-maintained roof can last anywhere from 20 to 50 years, depending on the materials used and the level of care it receives. Regular maintenance ensures its longevity and helps protect your home for decades.