> No analysis is making the insurer say "Oh, that roof is in much better condition despite its age." That’s exactly what they do. There are people getting paid

> No analysis is making the insurer say "Oh, that roof is in much better condition despite its age." That’s exactly what they do. There are people getting paid millions of dollars to create software that does this. Do you know how much money an insurance company can print if they can undercut the competition by selling a bunch of policies to people who won’t file a claim? People pick insurance based on price, and if someone is selling you a cheaper policy because they know your roof is better, you’re going to buy it from them. They win because you’ll pay a premium without filing a claim, and you win because you can have a cheaper policy. That’s how it works in the real world.