I would be happy with "self-insuring" my roof with a higher separate deductible if it would lower my annual premium. A roof is not an item without a known life-span or even a fixed maximum cost. Eventually, even without wind damage, it will need to be replaced at some point.
You want a $250 deductible and a full roof replacement even if 15+ years old with only moderate damage? Pay the premium for it yourself, don't ask others.
|