I'm starting my 2nd year with them and so far so good. Of course, who knows if they'd ever pay off if I needed them, but what else can you do? All my neighbors who scammed their insurance companies out of a free roof before I got here did this to us. Nice, decent people who would give to the shirt off their back, forced an insurance company to buy them a roof, over a stupid "full replacement cost" policy and a few damaged shingles that you could find on any roof. Yes, I blame the companies for stupidly selling these policies, but it's shocking how easily otherwise decent human beings become thieves under the right circumstances.
Heck, I'm not sure I could turn down a free roof if some "expert" told me I could get a $15K roof because my insurance company was too dumb to fight it. I was at a dinner party a few years ago and the subject came up. One guy there had been an insurance agent his entire life, and he said he laughed at the door-to-door roof salesman who offered to "inspect" his roof to see if he qualified for a "free" roof. He said, "Sure, go ahead, knock yourself out". But when the guy came back a few days later and told him his own former employer had OK'd the deal, he took it. He said he would have felt like a fool not to.
It's plain and simple corruption, and it's infiltrated every part of our lives. All you have to do it look south of the border to see where it leads. This country is teetering on its last leg.
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