To be fair, and far be it from me to defend insurance companies, but putting hundreds of lbs of extra weight on the roof of am old house that was probably barely on the edge of able to support the snow load may be where the issue lies.

I’ve stood on roofs where it can barely hold me up and feel it deflecting enough to make me nervous, even stepping on the places supported by rafters. A lot of these installers don’t give a fuck what the structure is that they’re using.

Ground mounts take up space but don’t have these issues.