An insurance company's responsibility is one of indemnity; or to put the insured back in the condition that they were in prior to the loss.
A tiled roof partially damaged will require that all tiles, new and old, match. Whether you are a homeowner or business owner with an insurance claim, patch-worked roofs or multi-colored walls are unacceptable.
Insurance companies’ primary goal is to profit. They profit by offering you the least amount of money possible to settle your claim. They interpret the terms of your policy so they benefit (save money), hoping you will accept their interpretation and ultimately their low initial offer.
They count on your lack of understanding of the insurance industry, your policy and the process for filing a claim. They put the burden of proving damages and documenting your loss on you, the insured.