Freddi Mac / PMI Question

[Nate Dunham]

I have a 30 year loan that was sold on to Freddie Mac but serviced by a smaller midwest bank. I'll hit two years next year and I've been thinking of requesting PMI removal. This will be done partially because of appreciation.

At the moment I've assumed I need 75% LTV for current appraised value....however I'll also be replacing the roof this year. Does that count as a "major renovation or home improvement" that would trigger 80%?