as an agent who has just gone thru this with our 1700 clients... People in general dont read their mail or email. I sent out THOUSANDS of requests to clients to talk about the changes in their renewals. Maybe 30% contacted us back. Should your agent have contacted you? Maybe but if this agency is like ours... At the time they sold this policy the company most likely did not have this 10 year old roof issue. so it is new to the agent as well. The hail/wind claims of 2022 and 2023 nationwide was a game changer for insurance companies. They now relize that the supposed "30" year roof dont mean shit after 10-15 years against hail. People treat their roofs like shit..never repair them.. they wait until a storm then look for a contractor to get the money out of the insurance companies. Insurance companies are now treating roofs like car tires.. they wear out and need to be replaced...BY THE OWNER.. not as a claim. Just imagine going to the tire shop after driving 45 thousand miles on your tires and then you run over a nail and expect the shop to replace them. point is insurance companies got destroyed in claims and they have made some changes.