Most homes may require that the exsisting roof system needs to be removed. This service is usually performed when the exsisting roof system has aged and providing little to no protection against the many elements of weather.
This service is most common, in the event of a passing of a bad storm , hail damage, etc. Your roof may just need a few shingles replaced and or gaps patched. This services is concidered "Most cost effective".
There is a claims specialist available to assist you with your roofing claim.