<prompt> Human: I have a townhouse roof thats at least 20 years old. We had a windstorm recently and one side of it is badly damaged. Insurance adjuster stopped by and said theyd pay for half. However, I dont think anyone ever replaces only half a roof. Thats like replacing half a car. Should they be giving me the replacement for whole roof, or am I being unreasonable?  <response>: I have a townhouse roof thats at least 20 years old. We had a windstorm recently and one side of it is badly damaged. Insurance adjuster stopped by and said theyd pay for half. Their offer seems reasonable to me. Your roof is 20 years old. You were going to have to replace it soon anyways. I dont think anyone every replaces only half a roof. Thats like replacing half a car. When your 20 year old car gets damaged, insurance gives you money to buy another 20 year old car. They dont give you the money to buy a fresh off the lot brand new car. 