I am in Texas, so I do not presume to know Alabama's rules, but the insurance industry here offers a substantial discount for hail resistant roofs. However, on metal roofs, some companies require a cosmetic damage exclusion..hail dents that do not cause a leak are not covered to replace the roof. Also, some companies will only replace the panel(s) that are leaking due to a covered loss and not necessarily means you get a total replacement roof. I hope your insurance company gives you the discount and hope you don't encounter the cosmetic damage exclusion. Good luck.
I don't know how much we'll get off of our home owners. They did say there would be a discount because of the added fire protection. I'll bet there will be a hail exclusion since we get a lot of storms with hail in them. I lived in the Dallas/Ft. Worth area for about 10 years and I can honestly say, where we are now has much worse weather.
Wow, Penny. I hate to hear that your weather there is worse than N. Texas. I can remember some hail storms that were the size of softballs! They actually broke through roofs, including the decking and landed inside the home. I saw claims pictures of vehicles from Arlington that had every glass broken out and the windshield was laying on the front seat. Now, that is come bad hail! Good luck on the roof discount!
I was out looking in my back two acres yesterday - I rarely go there, especially in winter. I was surprised to find some pieces of a roof - plywood with the shingle nails still in it but the shingles gone. I then noticed some twisted metal in the cotton field. I suspect these were from the Lawrence County tornado from the other week. That storm passed south of us but we got some golf ball hail from it (no damage) and I figure the roof pieces were up in the storm and finally landed at my place. Good thing the plywood missed the house! That could have done some damage.
I guess that is why the Texas homeowners policy covers "falling objects" without description! Also covers falling airplanes ~ ouch! Glad you were spared from that tornado. I am sure your new roof is of such quality from your description that it will be able to withstand substantial winds, and moderate hail. Hope you don't need to test it out this Spring!
Just to let you know, it's a quiet as can be when it rains. In fact, I didn't know it was storming the other night until I opened the back door to let the cat in. It was coming down in buckets. It gets too cold here to use sticks or straw, maybe if I was in the Caribbean though