Insurance Company Says it Will Pay For One Layer...

Ins. Co. states it will pay for one (1) layer of removal and one (1) layer of replacement. However, roofing contractors are saying that it is impossible to do work to code by just removing one layer.... Any thoughts on this?

Answer: Gutkowski v. Oklahoma Farmers Union Mut. Ins. Co., 2008 OK CIV APP 8, 176 P.3d 1232 seems to hold the insurance company has to replace whatever needs to be replaced to properly repair the roof.