Hopefully I can shed some light on this (I do it every day) If you truly file for hail or wind the insurance company can not directly raise your rates as a result of the claim.

I bought a house in 2013 that had a new roof installed in 2012 after a major hail storm went through the area. 

Remember MN has hail, HAIL, tornadoes and MORE hail.

got to think a big hail storm could wipe out a crop ? 

I have since replace the roof due to hail and wind damage.

My name is Landon Clipp and I hail from the city of Chicago.

I just wrote a client on a duplex in TX, $190k on coverage, same 2%wind/hail TX deductible and it was right at $1300. 

@Albert D.We have had a fire on an apartment ( but this particular one was too small versus the deductible) , a home catch fire while under contract, house burn down (part of a mobile home park ) while under contract, hurricane on apartments while under contract, hail storm roof and siding replacement on a house, and i also contracted the repairs of a commercial storefront that had a car go through it.

Look up @David Krulac who hails from your vicinity.

@William Kwong Don't forget hail can cause the paint to flake off.