That with the metal roofs, there are screws, bolts, hardware that has to be replaced every 7 or 8 years, or the lifetime warranty is voided. We had no idea about flood plains when we bought this house. Thank goodness we picked well. 
In Ohio, if you have a mortgage, you have to have insurance to cover the mortgage in case the house is destroyed. The agents at Nationwide told us we had to have a policy that covered full replacement costs. I don't think that's right, especially when the agent doesn't tell you how getting exact material for replacement is going to affect what they charge you for the policy.
Another thing that I'm wondering--does the insurance company have the right to monitor my house without my knowledge and dictate what mainentance I need to do? My daughter couldn't believe they sent that letter. When she mentioned that, I started wondering about overreach and under performance. I can guess no matter what shape my roof is in, if there is damage, Nationwide will pay as little as they can.
One of the people who replied to my post earlier said they hadn't had ins. for 30 years. Hmmmm
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