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In general, hailstones need to be at least one inch in diameter to cause damage to a roof. Smaller hailstones can also cause damage, but usually only if accompanied by strong winds or striking aging roofs in poor condition. Obviously, the larger the hail, the more potential for damage.

Lightning can cause massive damage, fires, and openings for other threats like bugs or fungal diseases. Barring any large fires or explosions, it’s difficult to tell how much damage a lightning strike has done until after a thorough inspection. Contact local authorities immediately if lightning strikes a tree in your yard and it causes a fire or explosion.

Generally, your homeowner’s insurance might only cover ceiling collapses caused by problems under the coverage, such as a busted pipe. But if the ceiling collapse resulted from owner negligence, maintenance issues, or other reasons excluded by your policy, you could be on your own. Some policies might cover damages caused by the collapse but not the repair itself. Check with your policy carrier for the most accurate information regarding ceiling collapse coverage.

The cost to replace a weatherhead is around $10 to $40 for the materials. As the name suggests, a weatherhead or weathercap is a weatherproof mechanism that prevents water from entering your electrical mast pipes. This rounded cap sits atop your electrical meter riser like a visor, protecting the electrical system from rain, snow, hail, and other potential damage.