When I first bought my house (I've owned it 6 years now), the homeowner's insurance gave me the option to exclude the roof, due to its age. That is, rather than not covering me at all, they covered everything but the thing they had a problem with. Once I got a new roof on, I let them know, and they now cover it.
I'd check and see if you can get an exclusion like that.
I'd check and see if you can get an exclusion like that.
