This is the problem with insurance companies. Many will not insure Challenger or stab-lock panels, poly pipes, Atlas shingles etc. even though the materials have been installed and performing well for many years on some homes. They look at statistics.
Designer shingles can be identified even without the defects, but I do not know how they “confirm” the manufacturer.
These shingles are actually 3-tab shingles designed to look like architectural shingles. The top laminated layer is actually a false layer, it is just tabs embedded or welded into the 3-tab.
As HI’s, I think it is important to be able to identify this shingle because of its known high failure rate. From there it is up to you how to convey this information to the customer. Be careful in your wording.
If I see this type of shingle showing even one of the tell-tell signs, I write hard.