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Insurance companies always try to get out of paying by claiming that regular wear and tear caused the damage. But, in this case that seems preposterous because not only is the roof only five years old but you had another expert conclude that the roof was in excellent shape.
I suggest that your next step be to retain a lawyer and pay the lawyer to send a letter to the insurance company demanding compensation and threatening a lawsuit.
You will no longer be ignored and it is likely that you will be provided with a settlement. You can then pay the lawyer a small fee to negotiate a better settlement if you are not being offered full compensation for paying for the new roof in full.