skwerl
tree hugger
Bruce, it sounds like they started to run out of shingles then tried to increase coverage as not to buy anymore. Definitely shitty work. Bruce, before you make any more repairs I would call your agent, they may foot the bill for a new roof. There's a reason you pay for that insurance. If they don't cover it no harm no foul. It's not like you are purposefully damaging your roof in hopes in an insurance claim as that is wrong and it's insurance fraud. Your situation is text book stuff here. It doesn't cost anything to have them send out an adjuster to assess your roof.
Actually many insurance companies regard any inquiry as a 'claim'. Therefore I would still go back to my initial recommendation of finding a roofing company who specializes in insurance claims and have them come give you an assessment. Asking a roofing company for an assessment/price isn't going to cost you anything and they have a lot more experience dealing with insurance companies than any of us.
If it is going to be covered by insurance then they will insist on a licensed, insured roofing company doing the work anyway.