Some companies will actually cover your roof or shed on an actual value basis so if there are things that aren't permitted by the insurance company they will take the cash value of the home despite the roof damages which is nice if you have stingy companies that require a lot of repairs on your home.
Some inspections are truly necessary if losses can be potentially high, they won't want to cover you, however some losses are so small that it truly doesn't cause that much damage.
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