Maybe policies vary across the border, Mary? my take from my agent was that a new roof and furnace would lower the risk of water damage or fire although I was admittedly surprised by the fact that modernizing faucets would actually make a difference, but she in fact, asked me if I'd upgraded them. I also installed new windows a couple of years ago but forgot to mention it to her.

Half of communication is listening. You can't listen with your mouth.