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 - Good As New - by Bill Goodwin. In the summer of 1995, my father, Russ Goodwin, and I acquired the 1945 Farmall B that my grandfather used as an overseer on a farm in Waynesboro, Georgia. After my grandfather’s death in 1955, J.P. Rollins, son of the landowner, used the tractor. In the winter 1985, while in his possession the engine block cracked and was unrepairable. He had told my father
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