$119k coverage - $1k deductible - 3% Wind/hail deductible.   

I too hail from Quincy.

I have a few rentals over in Jackson that got hammered by the big hail last summer..

If you get a big hail storm that shreds that new roof, how badly is paying that $2,500 deductible going to hurt your cash flow?

This blog posting was a last hail mary to find the courage to not go in on Monday :P

I would have a lot of expenses that would be the same in a SFR like Flood insurance, wind & hail, and repairs & maintenance associated with the AC units.

I generally only do SFRs, and pretty much in my area, you wait until you get a big enough hail storm so you can file a claim.

Now if the rubber paint will give me 20+ years then I'm all for it.Unfortunately these metal roofs hold up pretty well to hail, so my chances of filing a claim don't seem too good lol.Edit: I'm assuming I don't need a permit to paint, right?

I have not seen a huge influx of out of state contractors like we see out of state roofers when we have a big hail storm, but I am waiting for it :-) Although right now everyone can probably find plenty of work right in their own backyard.The market is definitely HOT!

Just like when you wreck a car or get hail damage.