Which is also another way the insurance companies rip you off..I used to get soooo mad every year when I got my homeowners bill...our house was built in the 50’s..nice home..but nothing special or spectacular. had been updated twice by previous owners..but sat on FOUR acres of land..the land was easily 80% of the value, and land can’t burn down......
And if you get hail damage to the roof they will probably say, "Sure, you have hail damage but your problem is the roof is old. That is why it is leaking." That, despite the roof not leaking before the hail damage.
My reply was that the roof was only six months older than it was when they insured it. Still no-go.