Don't know about the rest of the Country but I have heard War Stories of Insurance Companies insisting people get new roofs when they are hardly 10 years old...Even if you have a 20 or even 30 year Roof. I also do not get how many people I have heard of getting a total roof when only a few shingles are damaged.

Just a vicious cycle all around. The cost to replace everything is crazy expensive. Though I have heard building materials have dropped a tad.