Our insured has a HO-5 policy and the date of loss is February 2, 2008. Rain water entered through the roof and damaged the interior. The interior damages have been paid; however, the cause of loss is somewhat of an issue.

Insured's roofer stated that "roof has been destroyed from fire" and needs to be replaced.

Second roofer said there are two causes: (1) improper flashing and (2) the charcoal color release used on the tiles is had a chemical reaction and caused the tiles to decay. With a hole in the tile, the water and UV rays can enter and decay the roofing felt paper. It would be impossible for embers to set on the tile roof and burn a hole through the tile without causing the attic structure to go up in flames.