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I am not sure but I think we rarely have hails during stroms in Miami, Florida . What do I say when I call Insurance company ?

I live in Miami.
I will give a call for insurance company and see what they say. Does anyone know if Insurance company actually pays at least a part of replacement cost ?

I bought this house last year May(2006). Last hurricane season passed without anyproblems and leaks anywhere in the house. But this season I have a lot of leak spots all around the house. The leaks...