For educational purposes, can someone enlighten me on this question? Now, I understand the answer may vary depending on the policy coverage but lets just say that the insurance roof estimate includes the cost to R&R woodshake shingles (existing on the home).
But the homeowner wants to “downgrade” to architectural shingles. What does the insurance company owe? What was pre-existing? Because I imagine that the homeowner paid their premiums based on the woodshake…right?
OR do they pay for what is put on the home (architectural)?