@Samuel Chua I am somewhat familiar with the high cost of living and housing in Singapore, thanks to my parents who hail from Singapore! 

I am a licensed agent in NC, I work exclusively with investors and many people who hailed from BP, and are out of state or country.

I believe a general fire/dwelling policy with wind/hail coverage covers the other ones but correct me if I'm missing any natural disasters.

THEN roof needs shingled after a hail storm and insurance said too old to cover,,,pipe breaks and water damage occurs.

And for roofing, remember that they only pay to replace the roof generally for "moderate hail or severe wind damage." 

There is nothing in place if there is damage from say a car accidentally running into the house, hail damage, someone tripping on the sidewalk, dog bite or if there is major damage to the house that is not fire related. 

Without replacing the roof, I'd say your two best options are asking for ACV (Actual Cash Value) coverage on the roof, which will only pay a little bit in the event of a claim, or ask for a wind/hail exclusion, which will not pay anything in the event of a claim. 

As you mentioned yourself this is most likely just an angry tenant that didn't get their deposit back and is throwing a hail mary.  

I used a turnkey provider, who provided various overviews of a dozen+ markets, and OKC had one of the higher cap rates (however, you do pay an insurance premium to cover for wind and hail).Economy wise, things looked fairly good, and as far as I can tell, OKC has been doing much to attractive businesses for their economy and it looks to have done well.

Hello,Wondering if this is a good quote in terms of numbers and things that are covered under this property insurance$302,500 Dwelling Coverage + 100% Extended Replacement = $605,000 Total Coverage to rebuild the home$30,250 Other Structures (ie: fence)$151,250 Personal Property with Full Replacement Coverage$60,500 Loss of Use$500K Liability$5K Med Pay$1,000 Deductible, $2,500 Wind/Hail Deductible$10,000 Sewer/Water Backup Coverage$50K Equipment Breakdown Coverage (ie: furnace, A/C, water heater, appliances and more)Service Line Coverage (ie: underground sewer line and other transmission lines)