I don't mean to sound flippant, but if your roof is that bad, you won't be able to sell the home as it will fail an inspection and the buyer will insist on a new roof, or a cost reduction to cover the expense of a new roof. Your best option now would seem to be to pay to repair the roof if you can't get your present insurance company to pay for it, like everyone else seems to have done.
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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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