They dont cover theft, but cover fire, hail, etc.

If you are ever in the mood to read some funny material visit the following page:AllStateSucksIf a hail storm hits your property be prepared for them to replace certain sides or in some instances INDIVIDUAL SHINGLES that don't match the rest of the house.

All hail the gutterless house.

Post covid roofers are getting $450 per square from roofing companies and the guys who used to do roofs for us won't even quote a job because all they want is insurance work.I'm in NE Ohio where we are relatively disaster free.In the last 90 days we have had two tornado events with more than 10 touch downs per event plus two big hail storms and also massive rains where streets were flooded out like Noah's Ark.I don't believe there is a profitable insurance carrier in the US at the moment so the pain will continue.

I have had my problems in the appreciation markets (tenants trashed the place and stole all the appliances) and the cash flow markets (hail damage, trees falling on houses/cars etc. )I wouldn't say one is "better" than the other, but I do believe I diversify my risk by being in different markets. 

Moving forward from that, I would reach out to other investors in the area that buy a lot of properties and see who they use for inspectionHas there been hail in the area since it was inspected? 

If you are in a high risk area for hail, hurricanes, tornado, or flood, you could have much higher than expected premiums that could make the deal unprofitable.  

Between hurricanes and hail damage claims are much higher in Texas.  

@Hailé Betemariam work backwards.

Also who pays for hail damage?