This is not meant at all to start a fight or to bash you but I feel it is not up to you or the underwriters to make that decision. Heck how many underwriters agreed and what companies do they work for? I am really interested in those numbers and how they can decide for the whole state.
Do you write you classes based on what “some” underwriters say they will accept. That does not seem at all proper to me.
The Office of Insurance Regulation are the only ones that have the right to determine how the form is filled out and the questions that are on it.
The underwriters HAVE to give the discounts based on what the OIR determines.
I happen to now feel that peel and stick directly on the roof deck joints should meet the standards but NOTHING on top of manually fastened tar paper should. In the past I did not even agree on that but have changed my opinion as I feel it would for a short time prevent water intrusion at least until the roof could be repaired.