@doreow ask your insurance agent or Florida lawyer but based on what you posted, it is not saying you must repair the roof. it would seem that it's saying if you don't and there was subsequent damage to the home for any reason that could be blamed on the failure to repair the roof, the company would not be obligated to pay you even $1. in other words, you would apparently have no insurance coverage if certain events occurred even though you are paying the premiums. anyway for claiming any casualty loss, you must take the insurance proceeds into account even if you don't spend it on repairs
