I ask again, are the using this a reason to get out of paying for a roof? You had insurance while the roof was damaged, so they should be liable to pay it. They might have the right to drop you, but they are still responsible to hold up their end for everything that happened previously. I'm no lawyer but IF that is the case, I could see that being grounds for a lawsuit. If they still pay for the roof and then drop you, well I think its dumb, but I don't see how they violate any rights.