My understanding is that if your roof is no longer covered by your insurance, you still have the other coverages under your homeowner's insurance policy.
For example, if your house catches fire, that loss is covered. If you have a burst water pipe inside your house while you're away and the house is damaged by the water, that is still covered. If a visitor slips and falls on your sidewalk and sues you, that is still covered.
Only damages that can be attributed to a faulty/leaky roof are not covered. So, if you'd rather keep your current insurance without the roof leak coverage instead of spending $15K to $18K to have a new roof installed, then that's your option.
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