My husband and I bought our first home 3.5 years ago and were told our roof was only 18 months old. We thought bonus, one less thing we will have to do to this home to put it in tip top shape. Well in 2008 a tornado went threw our neighborhood and we weren't sure if there was any damage to our roof from the hail, debree, and strong winds considering house two blocks over were destroyed. So, we had American Family come out and take a look, and they informed us our roof was in great shape no problems. We didn't have anything to worry about. Then in the spring of 2009, my husband and I were cleaning out our gutters and noticed all the pit marks almost the size of half dollars and lots of cracking on our roof. So, we called and had them come out and reinspect and they said, "oh yeah we documented de-lamination of your roof last year and we won't be covering anything. So, we are currently in the process of switching. I think they are a very deceitful company. Had they been honest from the get go. Maybe we wouldn't be upset, but they told us our roof was fine and not to worry about spending $6000.00 to replace it. Our roof is 5 years old and we have to pay for a new one when there is clear signs of hail damage. I wish I could load pics.