RDPD is always the go-to book mentioned in podcasts when investors are asked for book recommendations.As someone else already said up thread, financial literacy in our country is so abysmal, it doesn't take much for a lightweight book about money to be hailed as a masterpiece.

@Michael LenahanYou'll want to see a copy of the policy to see what the differences are - every company will sell something different.I've been an insurance adjuster since 2004 so feel I'm qualified to answer this question.Typically ACV really only affects anything on the outside of the house - roofing, windows, siding, fences, etc -- So the primary event that will damage said items I mentioned is a hail/wind storm among other things. 

A lot of homes get hail damage, thus making the rated age of the roofing material of little value.

My name is Mason Fitch, and I hail from Peoria, IL.

I wish it did.haYou may get lucky and have a roof or two paid for by the insurance due to hail or something.

,You'll want to be sure to use a paint/coating intended for that purpose.Roofs get VERY hot and take a real beating between the sun, rain, wind, hail, sleet, ice, wildlife, debris flying on the wind, ... you name it.That said, of course, unless it really looks bad, why risk it?

We even saw some snow and hail! 

I am hailing from the Great State of Texas,  and the even Greater city of Austin.  

I'm John Cozier and I hail from the beautiful island of Trinidad.  

We get hail all the time here in Oklahoma so I'd bet there's damage on his roof from it and his insurance company might pay to have it replaced.