They certainly can but it depends on your policy. Homeowners need to check the Ordinance of Law section of their policy. This says what building codes your insurance company must abide by in your Municipality. Florida Building Code states that if 25% or more of your roof or solar is damaged then 100% has to be replaced. So if 25% or more of your roof or solar gets damaged and you have Ordinance of Law in your policy then your Insurance company has to fully replace your roof or solar.