We live and invest in north central Texas and just had a hail storm come through.

I’m a former engineer from Lancair here in Bend, would like one of those someday as well.ya that freak Hail storm in Bend really fubared Lancair..  

Sometimes a claim has already been filed and paid and the seller is trying to take ins money without repair.Is the roof hail damaged? 

He never did anything with it, except a new roof a couple years ago, due to a torrential hail storm in the area.

metal will likely need to be replaced within 3 years due to the yearly hail we get here. asphalt with the highest hail rating possible.

I would use that as my hail Mary to finance bigger deals like Multi-families.

Where I am most home have vinyl and it lasts, but we've had some bad hail storms a few years and the hail shredded the siding. 

Here’s my coverages...Building 109,900Other Structures 10,990Lost Income 10990Liability 300,000Med Payment 1000Wind/Hail 1099Other deductible 1000What do y’all think? 

Downside there is 2.8% property taxes and hail storms. 

Since the date of occupancy could change; So, I’m looking into possibility of vacant or unoccupied insurance coverage to protect our investment with the correct coverage.Living Area:- 3,800 SqFt.Near a lake but looks to be outside FEMA flood zoneARV: $425,000 - $450,000Previous property Hail damage claim (year 2014): $2,600Insurers Replacement costs: $600,000 (Looks high to me)Personal Property costs: $450,000 (Wow!)