Our home had a 15 year old architectural shingle roof when we bought it. I expected the common response from insurance to replace it however an inspection (their choice who) determined it was good for another 5-10 years. I haven't priced roofs yet but it sounds like architectural shingles cost maybe $700 more over 3 tab shingles. Other than the additional life it seems like they may give more protection with higher wind ratings. Possibly avoiding a damaged roof in a storm and the resulting damage in the home sounds like a good investment.
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