If you are a multi-property owner, and your units are insured under separate policies, your deductible will apply, per location, if you are on what is typically referred to as a “package” or “blanket” policy, your deductible usually applies per occurrence (with exceptions, such as a "percentage" deductible for wind/hail).

Hello@Bryan CoughlinI must begin by saying "Hail State!"

I have a property we are flipping that needed some roof repair, and one of the contractors we had out to bid it, mentioned that we had a recent hail storm and that we ought to try to make a claim.

I work in the hail repair industry, and am looking at purchasing a property in "hail country" as a home base.

You can often get a 2-4 hundred hail credit a year from your insurance.

Wind, Flood, tornado, Hail, or third party damage or theftcan still occur.

Hailstorms are fairly common so you'll want to be sure that your insurance policy covers hail damage.

It could be a non-paying tenant that destroys the property, hail that damages the roof, storm that breaks a window, plumbing pipe that bursts inside a wall and soaks the carpet or as simple and the AC breaking down. 

I find their website easy to use.We have filed just one claim, for hail damage to a roof - they replaced it without issue (I think that had a lot to do with their outsourced adjuster, who acknowledged that the damage was probably from a storm from before we bought the house, but approved anyhow).They have not given us any grief on existing properties, but we did have an issue with the roof of our last rehab. 

In fact, with 25+ years of flipping and investing, I have never had a claim other than a roof due to hail damage years ago.In early August I had a tenant who left a pan of oil on the stove and the subsequent fire destroyed the property.