Quote:
Originally Posted by Battlebasset
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.
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The problem is that the roof protects the entire house from expensive damage. If the roof blows off, the rest of the house and the contents are destroyed. That is why insurance companies want you to have a roof that is in good condition.