[QUOTE=Velvet;1974573]And I’ve also heard that some insurance companies do insure you but raise your roof deductible to $15000 or more so above what you would have to pay to replace the roof.
I was in the insurance adjusting business and the majority, if not all, of the insurance companies do not have a "roof" deductible. They do have a windstorm/hurricane deudcitble which is usually a % of your homes value. For example if you have a $300,000 policy and a 5% wind deuctible the deuductible is $15K. If something falls from a plane and hits your roof your regular deductible should appy.
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