I can't figure why you think the design of the roof should matter as stated.
If I design a roof that can only hold 30 lbs. per foot of snow-load (not allowed around here) - and then it gets 60 lbs per foot on it and falls down - you think the insurance company should pay??
I don't get it. Makes no sense to me. Now if I build a roof to hold 80 lbs. (as required now by code for most new buildings) - and it comes down with 70 lbs. on it - OK. Then I can see insurance covering it - and then going after the contractor that built it if it's a recent building.
Insurance of this sort is supposed to cover us in unanticipated losses NOT due to negligence. Anybody that builds a 30, 40, or 50 lb. per foot roof in a high snowfall area is negligent right from the start. Same goes for those that watch snow build up all winter on the roof and do nothing to remove it.
I pay insurance mostly for the liablity aspect - or damage from some freak of nature - like a lightning strike or a tornado.
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Today's Featured Article - Sunday Drives - by Cowboy. Summer was finally upon us here in Northern Maine. We have two types of industry up here, one being "Forestry" (Wood Products) and the other "Farming" (Potatoes). There is no shortage of farm tractors and equipment around here! I have been restoring old Farm Tractors for the past 6 years, and have found it easier and less expensive to hit all the auctions and purchase whole tractors for parts needed. My wife who works at a local school, and only has weekends and summers off, while on t
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