If you end up with a roof that doesn’t last 5 years, isn’t that the kind of thing you’re buying insurance for in the first place? It’s an unexpected risk that a lot of people would have trouble predicting.
Homeowner’s insurance does not cover replacing a roof after 5 years if poor workmanship or substandard materials are the reason that replacement is needed.
The report was done at the time of the dispute. The roof was 5 years old.
Pretty sure they had the inspection done at the time of rejection.