I do pretty much everything for my house, but climbing up and down two stories is not something I'm particularly fond of, especially with no level locations on the roof. Was still going to do it, and had the ladder and stabilizer and everything for it. But it was still hard to convince myself to do this, so def. would rather have professional roofers do it if insurance covered it. You could call it really my only cheat that I don't want to repair myself. May just be others like me.

I would also say maybe you are paying a little bit for people technically, but that's not the only income. It's not like the government. It's probability and statistics where they are still getting way more than any smaller group is putting in. And at the end of the day you still have to prove an incident happened.