Self Insured Roofs?
Has it ever been looked into about possibly getting the population together and start a self insurance company that would cover roofs only. Maybe have qualified trust worthy inspectors and take care of the members roofs as they are truely required. Remove the regular Homeowner Insurance company completely when it comes to roof related repairs or replacements. It would be a lot of work for sure but in the end it may work out if enough homeowners got involved in it. Just an idea, maybe a crazy one.
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