If I just replaced a roof for hail damage and insurance paid the full amount (they did not, there was a deductible) - does that negate the depreciable aspect of the capex?

All hail King Justification!  

Personally no, I invest in FL the possible extra insurance costs are just a part of my cash flow analysis.I think you'll find that there is no such thing as a disaster free area.NE- Ice storms, flooding and as we saw recently hurricanes.SE- Hurricanes, hail, windMidwest-Hail, tornado, floodSW- Floods, earthquakeNW- Ice, snow, earthquakeObviously those all can happen in any of the other areas those are just kind of the off the top of my head disasters I would think of for each of those areas.

I'm Hailing from the Greater toronto area currently buying tax liens & deeds and wholesaling in new york state.

Another downside of that housing bubble that so many hailed to be good for this country, while some of us waited for the other shoe to drop!

My main concern is converge for wind / hail / storm damage.I think a basic umbrella for personal / extending it to the property's would be adequate.Anyone else consolidated under one main policy and then actually had to DEAL with a claim?

Cash for keys should be a Hail Mary last ditch effort to get somebody out .

Are you responsible for hail damage on their car when there is a storm too?

For example, a roof with a 20 year lifespan gets hit with hail when it is 10 years old.

Messed up timeline.The roof was fine, but a hail storm totaled it midway through the project.