I think I am paying 3500/year now, up from 2800. My house is on the larger side (4 bedrooms), so far, I've had 2 roofs (one on my prior smaller house) in 20+ y

I think I am paying 3500/year now, up from 2800. My house is on the larger side (4 bedrooms), so far, I've had 2 roofs (one on my prior smaller house) in 20+ years. For me it's been 1 roof every 10 years. But I know someone who got a roof replaced and it was immediately destroyed again by a second storm. I on the other hand, fought with State Farm for 6 months about some dumb piece of metal that was dented. So, while we got hit by the second storm and likely sustained more damage, it didn't matter. It's becoming more difficult to find a place to live that does not have some potential issue, be it water, weather, heat, cold, earthquakes.... supervolcanos :)