So let's see should I pay $15,000 out of pocket for a new roof or maybe have a inspector come out and see if their is any weather damage. Let me think about this one. Mmmmmmmmm yeah I think I would like to possibly keep my $15,000 and have a inspector take a look.
What's that Mr. Inspector? There is water damage and I qualify for a new roof because I paid into the insurance company for 15 years. Well that's great, when can they get started on my new roof? Next week you say, that will be fantastic, thank you for my new roof.
Also to the OP there is a saying if you can't beat them join them. Nobody cares about your moral high ground that's going to end up costing you lots of money but hey you still got your morals.
Oh by the way the insurance companies are recording record profits probably because they have no morals either. See you can't fight people with no morals with your morals you not going to win financially. These are the times we live in try to keep up.
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