A roof assessment can document observed conditions within its scope. It should not be treated as a prediction that the roof will survive every future storm or as a determination of insurance coverage. Those are different questions.
What to do next
Ask the professional to explain findings, limitations, and recommended actions clearly. Keep future-performance claims tied to specific evidence and product information. Direct coverage questions to the appropriate insurer or licensed adviser rather than asking the roof report to answer them.
Related Perkins guidance
Contact Perkins Roofing to discuss your roof and the appropriate next step.