I have noticed some spikes in aggressive wind requirements and stipulations with wind claims.Not too long ago you could simply have broken seal strips and a couple blow offs and have a roof bought.
Once one insurer started strengthening guidelines it seems all are starting to follow.State Farm is the first I had start this.The wind claim requirements changed from broken seals and a few blow offs to creasing,,percentages of slope damage and even more strict is,,,,the shingle that is blown off must contain a tear or uneven area where the nail was placed,,,anything high or circular signifies blow thru,,,improper installation a.k.a mechanical.
Also the nail that is still in the roof that was holding the blow off on must contain particles of the shingle under the nail head.
I am going thru the processes on a 465 sq. Commercial shingle job that was denied for wind because there isn't any creases.
Another thing the insurers are starting to approve as a proper repair process is cleaning the seal strip on the shingles that the seal strips are broken.After cleaning the surface under the shingle and the seal strip.
Once the lap shingle underside is cleaned the insurers feel that the areas affected are now a suitable bonding surface.Adding a couple dabs of sealant will assist in the bonding process.
Also check if the shingles can actually be repaired without causing more damage to the remaining shingles.I have had quite a few approved once that decision has been reached.
If these requirements,restrictions and stipulations are within the policy language then there is little you can do.IMO that is.I am contacting the shingle manufactures directly getting a document stating whether it is or is not a recommended repair/application.