Q: Our condominium had a new roof installed following a recent hurricane. The roof was paid for by insurance proceeds and the cost to replace the roof seemed high because of the high demand at the time. We have a contractor giving us a price to replace the roofs today, and we have another owner in the community telling us to use the projected cost to replace the roof 20 years from now. How do we reserve for roofs in these economic conditions?     Read the Q&A……………………………..