The policy is for replacement cost as I understand it and includes wind and hail damage.

There is no coverage for physical loss such as vandalism, theft, fire, wind, hail, and so on.

That limits your coverage to things like Fire, Lightning, Windstorm, Hail and up to 14 other perils if you paid to add the extended coverage riders.6.

Hail, tornadoes, change of mind, change of circumstances, and all kinds of other things. 

Generally individual policies are going to be the way to go, It depends on where the properties are as to what you need, example: California doesn't need wind and hail coverage most of the time. 

Illinois has had some significant hail/wind storms and our house fell victim.

If it hails and doesn't leak they wont replace it.

I help clients pull off hail-mary miracles with their personal homes and sitting down to discuss their goal(s) is the best start. 

So we had a hail storm a couple weeks ago and my roofer called me and told me about it and said i should file claims which i have and he met with the adjusters at the properties and i guess is getting them all covered and charging them a arm and a leg for the work.

I wonder if you can just get a wind/hail policy and not fire ?