[villagetinker]

Insurance does NOT cover the normal replacement for loss of life of the roofing, period. Florida las was supposed to eliminate the "assignments of benefits" documents which is what these companies are using to SUE the insurance companies to cover your new roof. These guys have figured a way around it, RUN from this company. On a side note, several homes in my area lost a few shingles, and I was approached twice by A### to have my roof "inspected" for damage. I had already done a walk around myself, NO missing shingles, no apparent hail damage (no Hail reported), I told them I was not interested.
On a side note, while you might get a "free" roof, you may very well see higher premium for years and remember the insurance companies share this information.