Not sure how it works in your neck of the woods but I had a conversation with an insurance inspector in my neighborhood and apparently there is no consistency at all in how they determine whether a roof is insured. The advice I got was to keep using different inspectors until one of them says it's covered. You may want to check with someone knowledgeable to see if the same thing applies in your state.
Discussion
All I know is that my insurance provider is sending an adjuster out to take a look on Saturday.
I’ve heard that they submit a report with a yes or no, someone at a desk reviews the photos and votes, and then an overall manager weighs in, too. Probably some luck of the draw involved, but sounds like a one-shot deal to me.
In NC you can do the work of hiring adjusters, workers, etc. yourself and save a bunch of money. Insurance pays out a flat amount and it's up to you to get it fixed. I think this also gives you the latitude to shop around a little. We replaced our roof a few years ago and came out ahead.