Al,

>From what I remember reading here on this list, curling shingles are often 
a result of excess heat.  A second layer of shingles is more suseptible to 
this.  Also, if your crawl space isn't properly vented, this can happen.

You can always give your insurance agent a call, can't hurt.

-- 
Blue skies.
Dan Rossi
Carnegie Mellon University.
E-Mail: [email protected]
Tel:    (412) 268-9081

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