New Roof

We have really high winds at my house. REALLY high winds, like 70 plus miles per hour. We also have two 30 year shingles on our roof. Why two sets of 30 year shingles? Because whoever installed them, installed them both incorrectly. So even though we have two, which sounds likes it's better than one, it's not.
So high winds + incorrectly installed shingles = flying shingles that end up stuck in the ground a few inches. It also means dealing with the insurance company! This has happened twice in a year. So we are getting estimates on a new roof. For shingles that are rated high enough for the high winds we have it will be about $12,800. WOW that's a lot of money.
I have no idea how much the insurance will cover but most likely they will just repair the damage and not give us a new roof. Thank goodness for the emergency fund!!