Ed, it’s possible that GTP has you all fixed up but in any case, here’s how I approach anything like this:
Homeowner maintenance items (i.e. rotten decking due to trees crowding the roof & should have been cut back -or- gutters filled with leaves & backing water up onto a roof deck) in about 90% of the cases will NOT be paid for by insurance.
What you have, IMO, is NOT h.o. maintenance - it’s an integrated component of the roof, albeit a craptacular one.
You can’t be expected to provide a “reasonable & customary” (important phrasing) guarantee against leakage unless you remove all of these components. Now, if all this added weight made for a badly sagging primary deck then this is an altogether separate issue.
But as for the extra layers, insurance should be willing to pay for removal down to the bare ORIGINAL roof deck. Take copious amounts of digital photos & be sure to keep the photos angled so that other parts of the yard or a street prove your location & that it’s the correct house.
Call the insurer before you proceed; discuss this with the adjuster & if this person isn’t available because they are “ALL in another STATE” right then, contact the 800 #'s customer care. Go on record with your situation. Explain that you will only be able to hold off for so long before complete repairs have to move forward. Be extra sure to document what day / time / length of the call when you spoke to this customer service person & what their name is + any extension if they are willing to provide it.
If you do get to speak to the adjuster who handled the initial insurance estimate, be sure to detail all the call specifics as noted /. If they don’t want to come look (might not have time in the next 2 days or so) then ask if photographic evidence will provide all they need for you to proceed.
Have a definitive breakdown on what your price point is per item you have to work on as well as a new & complete figure for the added repairs.
If all goes well, what you’ll be getting is a supplemental payment for repair work. Be sure that you’re getting a full payment on the deductible & provide ASAP to the adjuster a receipt detailing the payments made by the insured (homeowner). I have found that supplementals like this can be quite profitable (they don’t cost more per square than other parts, but it’s a bonus in the way of something like extra squares but on the demo only).
A supplemental is essentially a 2nd (or 3rd) check paid out by the insurer & it is sent after the work is done & extra peayments are required (i.e. their measured size comes up incorrectly low or extra repairs are required like a component they didn’t notice or provide for such as a proven 40 year shingle where they paid for a 30 yeear).
I hope this helps you out & you don’t get any trouble from the STATE who has it ALL.