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ADVANCE FOR USE SATURDAY, SEPT. 24, 2016 AND THEREAFTER - In this Sept. 12, 2016 photo, Urbana alderman Dennis Roberts sits on the roof of his home in Urbana, Ill. He is one of dozens of people he knows of locally who had home insurers tell them they would have to put new roofs on their homes when they weren't needed yet, and without much time to get the job done, or their coverage would be cancelled. (Rick Danzl/The News-Gazette via AP )
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