Cedar shakes have to breath. On the insurance, we had insurance agents, in the midwest, after a storm, they would pay there deductable and give them $5000 cash, if they would switch to comp roof.I have to respectfully disagree it is because of cost. They like the cost because they can charge higher premiums. But when you have a 28 year old, minimally ventilated, not maintained wood shake roof that’s so dry you can’t even walk on it, even pea sized hail does damage. Then they are stuck replacing the whole roof. I don’t blame them... But I don’t feel bad for them either because they probably shouldn’t have insured it in the first place. An insurance policy is not a maintenance policy. If HO's stopped treating them like they were, all of our premiums would be lower.