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unless the roof is really new or you’re in a high-risk area, they mostly just care about the age and condition.
That’s been my experience too. I had a couple cracked shingles and some old flashing, but the inspector barely glanced at them. Only time my premium changed was after I put on impact-resistant shingles—then I actually saw a discount. Minor stuff just doesn’t seem to move the needle for most insurers, at least around here. Kind of frustrating if you’re keeping up with the little repairs, but I guess they’re just looking at the big picture.
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