Good morning, Bruce.
Good morning, IM.
Good morning, Bob.
I understand their point of view, but I think each roof should be evaluated. It just makes it difficult for homeowners who have a perfectly good roof, even if it is 10 years old.
When we lived in a neighborhood, our neighbors' tree fell on ours, during a storm. My husband had asked them several times to get it trimmed.
Our insurance company (& we) ended up footing the bill, for a roof because their insurance called it "an act of God".
I'm glad our neighbors here are at least a few acres away. Lol.