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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Today's Featured Article - Tuning-Up Your Tractor: Plugs & Compression Testing - by Curtis Von Fange. The engine seems to run rough. In the exhaust you can hear an occasion 'poofing' sound like somethings not firing on all cylinders. Under loaded conditions the tractor seems to lack power and it belches black smoke out of the exhaust. For some reason it just doesn't want to start up without cranking and cranking the starter. All these conditions can be signals that your unit is in need of a tune up. Ok, so what is involved in a tune up? You say, swap plugs and file the points....now tha
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