I'm Andrew hailing from the Big Island of Hawaii.

Mine was a bridge product, when a pretty house under contract was hit and damaged by hail.

Is market like Texas where they often have soil/foundation issues, or like MN/the Midwest where the asphalt shingles might have hail damage?

Currently, I'm looking for a way to send someone to capture exterior photos of potential investment properties.While Uber allows you to hail a driver, it's designed for single rides.

Instead, they miss the cloth or aluminum wiring and poor circuit allocation and instead show you with their fancy plug that "polarity is reversed"; or the always arbitrary "the roof likely only has 5 more years left max" because they see a 3-tab shingle from the ground and completely miss hail/wind damage on a newer architectural shingle citing its "lifetime warranty".

Oklahoma does have very high insurance premiums relative to other markets due to frequent hail storms.

My issue is with the ones who don't do any research beforehand to ask a better question.A new person asking about house hacking a multi vs. a mother-daughter is a great question, and they have narrowed their scope and are doing the work.A new person asking how to get into investing is just being lazy and hoping for a Doug Flutie hail mary to land in their lap.I think of it as, how do you want to show up and appear to other people, in any forum?

Wind, Flood, tornado, Hail, or third party damage or theftcan still occur.

Can someone catch this Hail Mary I am throwing downfield?

Have a big wind and hail storm and the owner decides just to pocket insurance proceeds?