In Texas, insurance rates are high because of potential wind and hail damage. 

@Wayne Brooks a hail mary I admit.  

Hailing that said the majority of states in the union do not require a home owner to higher a contractor to do work.

So from where down east do you hail?

I hail from the great town just east of Indianapolis known as Greenfield Indiana.

Hello BP!Kirsten from Sacramento, CA here. I've been listening to the BP podcasts and reading various blogs and forums, so I decided it was about time I introduced myself properly.I am just beginning to take action on...

In addition, I'd be appealing to any insurance company and the state agency who regulates the insurance company to see if they are responsible to pay even a small portion of the damage that may have been caused by something that was covered, like fire or wind & hail, etc., not just flooding.    

Here comes the hail mary of updates:Paid the first bill for water service.

I have 7 properties, and of those, the adjust said I had 4 properties with hail damage.

If hail, hurricanes, or other severe weather is common, you may save on insurance and mitigate risk.Resale.