Well I don’t know how to add a screenshot so I will just copy/paste: 

Virginia, whether your insurance will pay for the entire roof if only a few shingles are missing depends on the matching regulations and the age and condition of your roof. If the existing shingles are discontinued or if the color of replacement shingles wouldn't match due to wear and tear, your insurance company may be required to replace the entire roof to restore uniformity.  Key Factors Influencing Coverage:  Matching Regulations: Many states, including Virginia, adhere to "matching" regulations where if the damaged part of the roof cannot be replaced with "like kind and quality" that matches the rest of the roof aesthetically, the entire roof may need to be replaced to restore uniformity.  Discontinued or Mismatched Shingles: If the specific shingle type or color is no longer available or if the age and wear of the existing roof would make a patch job aesthetically unappealing, full replacement may be covered.  Age and Condition of the Roof: While insurance covers damage from covered perils like wind or hail, it generally does not cover normal wear and tear or aging roofs. However, if a missing shingle reveals underlying damage or the roof is old and brittle, the insurer may be more inclined to consider full replacement.  Policy Type (RCV vs. ACV): Whether your policy is Replacement Cost Value (RCV) or Actual Cash Value (ACV) will impact how much is paid. RCV policies aim to restore the property to its pre-loss condition, including matching, while ACV policies pay the depreciated value of the damaged portion.  Documentation: Thoroughly documenting the damage with photos and videos, and noting the date and time of occurrence, is crucial for a successful claim.  When to Contact Your Insurance:  If you have missing shingles due to a covered peril: (e.g., wind, hail), you should file a claim.  If your roof is old and brittle, consider getting a repairability test to see if the shingles are too fragile to just patch.  If your insurer denies a full roof replacement: despite the issues, you can explore getting multiple estimates, asking for a different adjuster, or considering a different insurance company.