I bought a house last year, and got a decent house inspector to look it over. He found two layers of roof - not great but acceptable. He spent four hours in the house.
I've looked over the roof repeatedly as I know that there are flashing issues I've got to address this summer.

Last fall, my insurance company sent some twit out to "inspect" the house. She was there five minutes, and claims 3 layers of roof. 'Cause she's a moron evidently. Insurance company sends me a letter last fall that says tell us when you "repair" that the roof has three layers. I sent them a copy of the house inspection that says two layers.

Last week, they send us a letter that says they are not renewing the insurance on the house at the end of the policy, which is the 25th. Because I've not "repaired" something that does not exist.