ive seen this happening lately my boss got his house done last week and said he didnt pay, the insurance did. and his neighbor did the same...also two of my neighbors just got their roofs done which is weird all of the sudden roof are being redone and i thought we were in a resession....my only guess it that roofers must have found a way to work the system where they get the insurance to pay when you don't really need it...but i guess if your paying insurance every month and nothing ever happens to your house due to weather, ect...then why not make the insurance pay since its your money anyways....