Do you have to tear off a roof if it's an insurance claim?

This is a broad question as it does not outline the extensiveness of the damage to the roof. If there is only a section damaged or a handful of shingles are blown off, the insurance company will not 'give' you enough money to cover a tear off of your roof.

If you choose to proceed with a 'tear off', make sure you research the process and cost. There are some companies who will increase their quote if they think you do not understand the pricing structure.