Depends on your insurance. If you don't have replacement value you get depreciated value. If the roof only had a 10 year warranty (that wasn't any good), the depreciated value is next to nothing and a lot of insurance companies have a deductible of a percentage of the value of your home - not the value of your loss.
If you have a $200,000 home with a 5% deductible value you have a $10,000 deductible. If the rood was $20,000 with a 10 year warranty the loss is only $2000 - well under the deductible.
As for cut rate insurance to avoid - I'd start with avoiding Farm Bureau. They treat their customers like gold until they file a claim - then they treat them like theives.
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Today's Featured Article - Reflections of the Fifties - by "Country" Elliott. I remember rowing up in the 1950�s in a small, rural town in northwestern New Jersey. The closest town to ours was only 3 miles away, and there were seven dairy farms in the areas of these two country towns. We had 5 acres, and because my Dad was a salesman and not a dairy farmer, he let the Bockovens, who owned the Willow Tree Dairy farm most of our land.
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