OakLeaf, I totally get that part. It would so not surprise me to have something crazy happen here this summer since we're in the process of buying right now. Truthfully it's not the wind and hail coverage that actually is annoying me about the whole insurance thing in a coastal county, it's the extra deductable for a named storm on top of the high dedcutable that is required in a coastal county to start with.
Well at least you got new paint to repaint a room you didn't like the color of to begin with, but otherwise that is terrible that it happened within a year of buying the house.
For us the hurricane is unlikely due to the way the coast goes inward right here before going back out. We're in Jacksonville, NC, and if you look at a map there is an area of the NC coast that curves west before going back to the east and north. Everyone keeps telling me that if it's not a direct hit the only place that gets much other than some major rain and wind is the coast. It has to be a direct hit to do real damage away from the coast.