| Bottom line: You won't get paid for more than the ins co says they will pay you for...that is, they'll pay for repair or they'll pay for replacement, period.
So if an actual adjuster (from your ins. co) has not been out yet, get them out there. He/She will "rule" as to whether repair or replace...and very likely have a dollar amount of what they'll pay within a day or so...and quite possibly even write you a check on the spot.
[I'm guessing it was not an adjuster you were talking to; because I can assure you now, that as stated above is not going to be how it plays out.]
Once you get the scoop from the adjuster, you go from there as to what, if anything, you'll do.
A tornado 6 months ago tells me there are "storm chaser" contractors in your area. They'll certainly tell you you have damage. If the insurance company agrees - and you decide to have work done on your roof, be sure to pick a contractor who has been doing business in your area for years. Many of the ones in your town now are only there because of the recent tornado...and they'll be gone in a year.
Let us know how it goes. | 
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