my roof has started leaking but only since the heavy snowfall we had the week or so.have had the insurance ppol out who sent a assesor out to inspect damage but get funny feeling they might be trying to get out of replacing the roof.would it be worth getting a roofer up for a second opinion.why do we pay all this money for insurance cover only to be ripped off.they also told we should inspect the roof regularly.ok but what if you are a oap? any advice/tips thanks