What has likely happened is the shingles did not seal for some reason, it could be due to incorrect installation, defective shingles or they are just cheapo and are at end of life.
My guess, if this is a relatively new problem, is that they are at end of life. Insurance wont do anything most likely. Start getting pricing and saving for a new roof and patch until you can afford it.
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Last edited by handyguys; 03-15-2010 at 02:04 PM.