Just to preface this, we’re originally from the UK, but moved to GA back in 2015 - please forgive any ignorance as (many) things are different over here, including roofing. Most houses in the UK have concrete or clay tiles, not shingles.
We bought our first and current house in 2017. The roof had been redone and installed in Nov 2008 by the previous owners (cost approx $13k), using CertainTeed XT30 shingles.
Our house was inspected by the insurance folks, from the outside, as I assume is normal, but our insurance was subsequently cancelled due to (among other things) “The roof shingles…curling extensively.” This is one of the pictures that the insurance reporter guy took in Nov 2017.
Here are the rest: https://app.box.com/s/1fuva7bwoflxu8ijeefuwnba2nyjzz7x
We argued that it wasn’t that bad and they agreed to overlook it, but we’ve since changed insurance providers and they said we have to replace the roof by the end of the year or they won’t cover us.
What we didn’t know was that the original owners had paid for CertainTeed’s 4 star warranty coverage, meaning that, if the warranty had been transferred, it would have expired in November of this year (2020). We didn’t know anything about the warranty until a couple of days ago when we came across some paperwork the previous owners had left. I know ignorance is no excuse, and I’d imagine we’d be SoL when contacting CertainTeed because we never transferred the warranty (from what I understand it should have been done between 60 days of the real estate title transfer).
What I’m asking is
a) Do you think XT30 shingles curling this much is enough reason to cancel insurance? I read on CertainTeed’s website about the natural life cycle of a shingle, but don’t know whether this is within normal parameters. (At the time of the pictures the shingles would have been 9 years old.)
b) If so, then do you think it would be worth getting in touch with CertainTeed to ask them to honor the original warranty?
c) If not, and this is natural for this type of shingle, should we try and play some form hardball with the insurance and say they’re being unreasonable?
Or d) are we screwed?
Thanks for any opinions or info. Like I said we’ve never had to deal with anything like this before and it’s kind of stressful for first time homeowners!