Fire X Lightning X Explosion (includes Sonic Boom and Water Hammer) X Windstorm and Hail X Smoke X Aircraft and Vehicles X Riot or Civil Commotion X Volcanic Action X Sprinkler Leakage X Sinkhole Collapse X Vandalism/ Malicious Mischief Where Special Form covers all of these plus a few others you may want.Falling ObjectsWeight of Ice & SnowWater DamageTheftCollapseThere are many cases where going with Basic Form makes sense and other where Special Form may be a better choice. 

., TX investor said 10yr for new roof b/c hail & wind!)

Many areas of the country have their own potential for catastrophic losses due to mother nature... in California and on the west coast it may be earthquakes and wildfires, the Gulf Coast and Florida, hurricanes, the Midwest has hail and tornadoes for example...That stated, the events over the weekend were quite extraordinary.

Actually roofs are very tricky here - we get crazy intense hail sporadically.  

I'm getting mixed info on this so hopefully someone did this already can help me out here:When you have real wind and hail damage o the roof and you successfully get it replaced through your insurance. 

I'm getting mixed info on this so hopefully someone did this already can help me out here:When you have real wind and hail damage o the roof and you successfully get it replaced through your insurance.

There is no impact on your taxes, though you may gain more deductible interest - ask your tax professional.The downside is that there is no such thing as a risk-free investment.Hope this helps.By the way - my family hails from the Twin Cities area (St.

I'm brand new to the site, hailing from Melrose, MA (north of Boston).

I hail from Monroe myself as does Jim Platt (not a member of BP yet). 

Haile v.