With this near fraud, [and you know it is] surely the carriers are going to figure it out and change the language of the policies. Maybe they need to do it now. So that instead of getting a new roof you will get the depreciated value. If a roof has a 20 year life and it is 15 years old when a wind damages it, you get covered for 1/4 of the cost as you have used 3/4 of its lifespan. It is the same process as if you total your car. You don't get paid for a new car to replace your 15 year old car. Everyone would be crashing their car if this were the case. Now everyone is "crashing" their roof and we will all pay in higher premiums.
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Men plug the dikes of their most needed beliefs with whatever mud they can find. - Clifford Geertz
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