Not so much force you, but your premium will increase sometimes renewal isn’t offered.
If you are looking for free roof, that scam left TV years ago. Unless you have a weather related issue, your deductible, or if roof is old, May only cover %of cost.
You must have bought an older home, now you get to pay the price. Did your roof have a wind mitigation? That is a whole other insurance problem.
AC age can be on the application, and premiums may also increase with age. At house #4 the AC blew out before 10years (it was a problem from day one for previous owner we had no knowledge).
Our roof was 14yo our last year premium went from $1800 to $3300.
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