Quote:
Originally Posted by retiredguy123
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.
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Fully understand that. And a higher separate deductible would not remove that requirement. It would just stop the "Oh, I have some missing shingles. I should get a new free roof so all of the shingles match!"
Case in point - we have a house in our neighborhood that had a small addition put on it. The new shingles don't quite match the rest of the house because the original roof is about five years old. It's perfectly serviceable, and in a couple of years, you won't be able to tell. If it was the insurance company's money I'm sure he would have not put up with that, and insisted on all new shingles.