I currently live in tornado alley. The Midwest and, in particular, my home—St. Louis, Missouri—has been decimated by tornadoes this year. A few weeks ago, after another storm, I noticed a shingle in my yard. My roof is aging and certainly at the point where it could need to be replaced.

I called an inspection company to take a look, and sure enough, there was storm damage. This meant I was getting a large check from my insurance company. It wouldn’t cover the entire cost to replace my roof, but it would significantly offset the investment.