The prefered pronunciation is as roof.
Roof or ruff.
That s just how it s pronounced people learn it from their parents and from other people around them.
The degree of diphthongization of the vowel varies regionally but ruff for roof i ve never heard.
Northern us accents tend toward the long foodish one southern accents tend toward the bookish one.
It is phonetically pronounced as both roof and ruff depending on colloquial variation.
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Roof that thing above your head as you sleep that protects you from the weather and flying monkeys.
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Hey go up on the ruff what the fuck is a ruff you ignorant yankee.
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Roof as ruff is rare although i don t doubt that there are some who say it.