This home was built in 1998, the electrical signoff was in May so that tells me the shingles were on the home before that. We had a very destructive hail storm in May 1998, roofs, vinyl and aluminum siding were all damaged. Most homes received new shingles and siding thru insurance claim settlements. I think the builder didn’t take any action or pocketed the insurance money and now the shingles are prematurely deteriorating. I told the clients the shingles will fail before the normal lifespan because of the damage. I think they are fiberglass base, 25 or 30 year shingles, but not sure. Any thoughts or other advice?