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No. But as the insured (that is you) it is up to you to maintain your house in good repair.

Insurance is there to cover the risk of unforeseen, accidental damage to your property not to replace parts that are wearing out naturally.

If you fail to maintain the roof of your property in good repair the insurance company may refuse to pay out if your roof blows off. After all the damage would not be accidental if it happens because of poor maintenance.

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Q: Can your insurance company make you replace your roof?
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