In a conversation recently with a friend in Phoenix, she told me about a very damaging hail storm experienced in her area of the Phoenix valley. Roofs and cars parked outside were seriously damaged. As her neighbors discussed their experiences in making claims on their home owners insurance, many found they were not covered for damage from hail and most had made the decision to purchase their policies based on price, not coverage. My friend did have coverage for the damage and discovered she was paying about $200 more a year for her policy. The cost for repairs – over $6000.