[jawns]

Unless the insurance company mandates that you use a particular roofing company to address the problem, I can't see how that would constitute illegal tying.

I would expect the insurance company would say something like, "We noticed this problem with your roof. Please correct it or we'll cancel your policy." And then the homeowner is free to choose any roofing company they want to remediate.

Heck, the insurance company could even say, "Here are some reputable roofing companies in your area, but you're still free to select any company you want," and I doubt that would constitute tying.

And anyway, even if you could make the argument that roofing companies in the aggregate will benefit from these sorts of policies, it's not as if keeping one's roof in good condition is forcing consumers to make unreasonable purchases.