This flat roof had been coated with a spray foam roof application years ago. The spray foam was likely not installed properly and it has developed bubbles in various areas throughout the roof. Recently a hail and wind storm caused damage to these bubbles causing the roof to leak where it has been water tight prior to the storm damage.
Note a picture of an undamaged bubble in picture number two and then some damaged bubbles in pictures three and four.
Since the insurance carrier had insured this roof would they owe to replace the roof and repair the ensuing interior damages when the hail and wind burst this policyholders bubbles?