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Yes. The problem would be if the roof should be damaged again. In which case the insurance company might refuse any damage claims. If however, the house is still mortgaged, the roof would have to be replaced or the mortgage agreement could possible be held in default by the lender. As mortgage contracts stipulate that the property must be kept in the same condition (or better) as when the loan was granted.

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Q: If you got paid from your ins company to put on a new roof can you then choose to just repair it?
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