around here, the same exclusion is being applied to home insurance as well especially regarding roof leaks. The insurance companies are even sending out inspectors periodically to stop by homes and do an inspection of the gutters and visual look at roofs. If they find plugged or marginal gutters or roofs with heavy moss buildup, or look near replacement time, out comes a letter giving a period of time to correct or cancel insurance. Multiple insurance company inspectors were making the rounds in our county this last summer.
