My house recently hit by hurricane Ike. The damage was from many small tornadoes. My subdivision was hit very badly. Most of my neighbors already had roof total replacements paid for by other insurance companies. I recently switched to Liberty Mutual and now I regret this decision. My roof lost more than 100 sheet of shingles. The adjuster told us we lost about of 30 sheets. One week later he gave me the quote for $900. It is still less than my deductible because my house is only 7 years old. I have had 3 roof companies estimated and they all said the roof should be replaced.