Our insurance company recently did a “random” and unannounced exterior inspection of our property (likely triggered because we filed for a permit to do some non-roof related updates to the home). The inspector took 5 photos of the property (only 1 of a section of the roof - this photo is below) As a result of the inspection, the insurance company is requiring me to replace my entire roof or they won’t re-insure my property.
I’m reluctant to do and entire replacement based on the evidence of a single photo. I’ve asked for a re-inspection where I can be present but they are not willing to do so. I definitely see issues with some shingles in the photo they took, but I’m wondering if the experienced roofers on this site would be willing to give advice on whether they agree with the insurance company’s assessment that the whole thing should be replaced? If possible, i’d rather get some patch work done to replace the issues they photographed and be done with it. Unfortunately I don’t know the age of the roof. I bought it 2 years ago and the seller was unclear as to when the last replacement was done. I’m assuming because they can’t remember, it was more than 15 years ago.
The language used by the inspector in their report was:
Lifting/Buckling Shingles: Several shingles randomly lifting on left side
And the photo is here: