I had a client call today on a inspection from April- They had a inspector out from their insurance carrier- The home a sag in the drywall in the garage- No stain and no leak. He put a moisture meter on it and told the client " Im getting some thing here; You need to have a licensed roofer or inspector come out and verify “they will be able to determine more details” and provide a letter that its dry. So the client physically pulled the drywall down and replaced- No leaking noted any where no staining in the attic above… Roof is 10 yrs old.
I also heard from another insurance underwriter they are sending inspectors out on all homes after the client has moved in.