Real Estate Law
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Welcome and thank you for your question. I will be the professional that will be assisting you. Are you wanting the roof to be covered by the insurance company?
Thank you for the clarification. You already have the insurance and you have complete coverage and in order for them to renew your policy they are requesting information on the roof. They can deny the policy if you do not comply. This links sets out their rights' and your rights' http://www.insurance.ohio.gov/consumer/ocs/documents/roofcoverage.pdf
That being said have there been any issues with the roof that were repaired or that a visable?
The insurance companies have tricks to raise premiums is for the company to claim the roof is too old or demand repairs. Anyway they can increase or modify your policy within the law they will use including refusing to renew based on the condition of the home.
The Ohio Department of Insurance regulates insurance in the State and is able to answer any questions that you may have at https://insurance.ohio.gov/Legal/Rules/Pages/RulesIndex.aspx
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That is what I suspected as no one would have an issue disclosing facts about their roof if there were no issues. Roofs can really take a beating over time as well. We all get concerned when we are in a situation similar to yours. You can certainly look into other companies and policies and not respond. Just be prepared that they probably won't renew the policy without roof information and you don't want to provide false information.
When there is a mortgage involved the lender retains the right to purchase insurance on your behalf if the become aware that you are not insured and the policy they pick would be expensive.
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Please ignore the additional premium service request. Thank you. If you are unhappy with my service please let me know and I will opt out.