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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