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 - A City Guy's First Tractor - by Fred Hambrecht. After living in apartments in Atlanta for more years than I care to remember, the wife and I decided to move to the country. Humming "Green Acres is the place for me..." we purchased a 29 acre tract about 60 miles south of Atlanta. Next came the house, I could talk about that ordeal for another two weeks... But, I want to talk about my tractor! We didn't even own a lawnmower, and all of a sudden we had enough grass to feed all the starving children of the bovine world. Naturally, I talked
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