After a huge storm, we had several shingles blown off the roof. I replaced the shingles, but was told by someone else that my roof looked like it may have some damage that the insurance would likely fix. So, I decided that if not, all they could say was no. They came and took a look and decided there was some hail damage, and that they would pay for new shingles.
I had a couple of problem areas where they decided a thick rubber mat would be more likely not to leak. They didn't tell me when they did this. So I had to call them upon discovering this to find out what's up. They said this thick rubber was guaranteed for 25 years, and that it was the best solution for these low spots where leaves tend to pile up if I don't keep them swept off.
Not super sure how I feel about this, but they assured me that was the way to go. So, I guess they're the experts, not me. I'll stay in my lane and hope for the best. I've just never seen this before or heard of it.