[Swampdweller]

I find that it's not always expedient to "give advice". But I sure don't mind telling folks what I'd do if it was me in their predicament. Indeed this is a "no-brainer". I'd put on a metal roof (about the same cost for materials, goes on quicker, lasts forever (almost), cleaner runoff for saving rainwater, no hot days required to seal, reflects sun's heat better in summer.....

THEN, I'd go tell the insurance agent to take a hike, maybe pack some lunch and enjoy himself, but take a hike, none the less.

Swampdweller