Not to be pronounced ruff because only someone from the south with low levels of education would say something that asinine.
Roof or ruff.
Hey go up on the ruff what the fuck is a ruff you ignorant yankee.
Roof as ruff is rare although i don t doubt that there are some who say it.
As for why well as in with many things in language that s not really an answerable question.
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The degree of diphthongization of the vowel varies regionally but ruff for roof i ve never heard.
The prefered pronunciation is as roof.
Roof that thing above your head as you sleep that protects you from the weather and flying monkeys.
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That s just how it s pronounced people learn it from their parents and from other people around them.