Blames the Property Manager for wind, hail, storms, tornadoes, winter storms, freezing pipes, foundation movement, dead grass, etc...

I hail from Miami and the Bay Area California and I have nothing but praise for our friends from the south.

You would need property coverage which covers direct physical damage to the property, like fire, wind/hail, vandalism, theft and so on.

I too am a newbie, currently hailing from Schererville, Indiana. 

Since we had a hail damage on late May in around Denver area, I need someone to give me an estimate and help me with the insurance process.

Property InformationPurchased for $68,000 (maybe worth $72K)1790 sqft duplex built in 1972Both units are 2 bed / 1 bathExterior: mostly brick veneer with a bit of vinyl sidingFlooring: tile in bathrooms, cheap laminate everywhere elseWalls: 1970's wood pannel throughout, but mostly tiled walls in bathroomRoof: shingle (not sure of the type), inspection said the roof is on the "second half of its life"Foundation: crawl-spaceInsurance Quote (if I lower the dwelling coverage)Calculated Rebuild Cost: $201,000Dwelling Coverage: $153,000 (I lowered it as much as possible)Personal Belongings: $2,500Other Structures: $15,300 (can't change)Personal Liability (each occurrence): $300,000Medical Payments to Others: $5,000Deductible: Other Covered Perils / Wind and Hail: $2,500 / $2,500Annual Premium: $472.55Insurance Quote (if I don't lower the dwelling coverage)Calculated Rebuild Cost: $201,000Dwelling Coverage: $201,000 (didn't lower it here)Personal Belongings: $2,500Other Structures: $15,300 (can't change)Personal Liability (each occurrence): $300,000Medical Payments to Others: $5,000Deductible: Other Covered Perils / Wind and Hail: $2,500 / $2,500Annual Premium: $587.36

Dmitriy Fomichenko: Thank you for reaching out to me.AC Cooley: A pleasure to hear from you hailing from the ATL.

I then discovered that the property required Wind and Hail insurance because it was so close to the Coastline.

My name is Charles, and I hail from Pensacola, FL!

It is in the process of getting a new roof and exterior paint due to a hail storm last summer.