I had the same problem, a few years ago. Comtractor said that insurance would pay. He did the work and the insurance did not pay up.
First notify your insurance co, and get their story. They will probably say it is down to wear and tear, and will not pay. If you could prove that it happened as a result of a storm, then you should be ok and insurance will pay up.
Anyway do not believe what a contractor will tell you.