Will your homeowners policy cover the cost of a new roof The last owners had roof recovered in 1995 and the shingles are starting to curl up and look bad?

No, insurance will not cover a roof, but if you purchased the home with any kind of warranty you might be able to get some help there. If shingles go bad that fast it's probably because of improper air circulation in the attic. If the attic gets much hotter than the outside air it will cause the shingles to curl and loose their mineral surface. Next time the roof is replaced, make sure you have the roofer put in some attic vents to keep the temperature down.