How absurd is that? You're worried that you can't insure a roof that's only used HALF its WARRANTY! Do you worry about buying an 18 month-old car because it's used up half it's 3 year factory warranty?
Here's an idea -- what if you didn't buy FULL REPLACEMENT COST insurance? You don't expect your insurance company to buy you a new car if it gets hail damage, why would you expect a new roof for the same reason?
I know of exactly TWO insurance companies who will write you a normal, depreciated asset policy on your roof, like the one you probably have now, in whichever non-Florida state you're coming from.
Kin and State Farm.
If every other company was bright enough to do this, there would never have been a roofing insurance scam to cause this problem in the first place!
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