My wife works for an insurance agent & today, as she was talking about work, ( I actually listened to her this time ) she was telling me that some insurance companies , now, will not cover these roofs if there is hail damage ... meaning dimples, dings, from a storm. They use to, she said, but are not now. If there is a tear, then there is coverage, but I'm talking about the dings. IF, she said, if one is fully covered & then the company changes their policy, then they're grandfathered in. I'm just curious if there are any here that have had these issues & what the outcome was.