It is possible that the insurance company has rules related to the age of the roof and the amount of damage that triggers a total replacement. The insurance company eventually agreed but it slowed down the process for a couple of days because they wanted to measure it. I had a car repair that had to be increased because the roof damage was within x inches of the windshield, so the windshield had to be replaced. The dispute resolves around some aspect of the building code. Usually the issue has been that the repair company wants to do a larger repair. Of course if they are sending the money directly to the repair company they will only pay the bill up to a maximum amount. But if you don't return the excess funds they will evaluate you on the larger claim size. If you minimize the claim that may make it less likely that they will drop you in the future, or increase you rate next year. That might also mean they don't pay you for the stuff that is damaged because of the "new" leak. If in the next few years you have a leak in the roof that causes another insurance claim, they may decide not to cover it because they already paid you to replace the roof, and it is your fault that it wasn't.
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