I do see your big picture here. Well written.
Last summer we had a hail storm come through. Roofers descended upon the neighborhood in droves. Finding damage on all of the homes 15+ in age. This spring the replacements started, one after another.
I turned all roofers away. Of course they would find something. I know they need work to make a living. I know the insurance companies need reasons to raise rates. It is a crazy circle of life we live in.
I choose to sit that episode out.