I know y'all are right on the Natty thing, my disposition is just a bit salty right now. My insurance is screwing me (and everyone I talk to) over bigtime. Because my house/siding/roof is 18 years old, I don't get full replacement value on the siding and shingles, they depreciate it. Any siding or roof 10 years older or newer, they cover 100%. They are projecting that it's $40,000 to replace it and they are giving me $17,000 after they take off the deductible. I'm a logical guy, I understand on the roof, but vinyl siding has a useful life that far exceeds an asphalt roof. And of course, they won't replace all the siding, just the stuff on the south and west sides of the house, so in all likelihood, I will have color mismatched siding on the house, so when I go to sell it in 10 years and move to a lake to retire, I'll get pinched by the buyer on that. There's a farmer outside of town whose barn was levelled and house heavily damaged that are over 100 years old and they are getting practically nothing. They also have no income either because they can't milk. I tell this tale as a cautionary tale to any home owners out there, add a rider to your home owner's policy to get full replacement cost for hail/wind damage no matter what the age of the siding/windows/doors/roof. I do have a rider that if the place is leveled that we get full replacement cost for the building and contents, but not for wind/hail damage. It just sucks to think you have insurance to cover something like this, but in the end I have to come up with $23,000ish to effect replacement.