Insurance

Im in Illinois just east of st louis. The company I work for handles Missouri and many other states. We offer full replacement. Older roofs are done on initial inspection. If the roof is damaged then let's say it's 10k to replace it. But your roof is depreciated accordingly on initial payment. Once the repairs are completed the rest is reimbursed from the depreciation. This deters people from cashing out.
The insurance company that I talked to today has 100% replacement for roofs requardless of age as long as it's in good condition but there wasn't any savings