When my in-laws bought their home 2 years ago they were told by the insurance companies that because the roof was over 10 years old they couldn't get insurance. So I asked a few neighbors who looked like they had new roofs which contractor they used. They said something like "Oh some guy came by after a storm and asked if we wanted a new roof paid for by the insurance company and I said yes". So now we are all "paying for it".
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