Just so happens, I got a call from my insurance person yesterday (OFB). She said they had noticed I didn't have roof collapse coverage on my new shop building! I guess it wouldn't pay off if the ice, or snow collapsed my roof! ??? Makes me wonder what the hell it would have paid for! I'd never heard of such a thing! Anyway, they ended up getting another $50+ a year from me. Taxes and insurance, taxes and insurance! I will say to their credit, they did pay off well on some wind damage I had a few yrs. ago.