Home owners Insurance

Next door neighbor, longstanding attorney, 4th of July, junior picks up everything puts it in the trashcan and two hours later the whole neighborhood had another fire works. Took about two years to rebuild.
You cannot find a builder unless you know one and he owes you. The one reason we are not moving closer to SO’s local play dates.
 
We are now considering replacing our roof. It is 28 years old and part of it needs to be replaced but not necessarily all. One roofing estimator said to call the homeowners insurance company and ask if they will contribute to the replacement of older roofs to avoid larger claims later on. I had never heard of this , and we have not yet called the insurance company. Does anybody have any experience with this?
 
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