Since my house is a manufactured home, I don't have normal house insurance. So I don't know how it works here for normal houses. If the roof is damaged, but the roof is also old, will the insurance company not just say "we'll give you $x for the value of the damaged part, and you can either repair it, or apply that $ toward your own cost for a new roof?"
And what if the roof is already new (within the past 2-4 years) and 30% is damaged? Would the insurance company have to foot the bill for a whole new roof, or can they offer a percentage of value of the damaged portion toward the cost of replacement?
Maybe the homeowner wants to replace it with a less expensive shingle set-up. Or maybe they want a vinyl-topped roof. Or maybe they want to upgrade to a much more expensive roof. What the homeowner wants to do, compared with the damage done, should be completely different things. The homeowner should feel free to replace at their own expense, minus insurance award for the damaged portion.
|