We've had a massive hail storm in Oklahoma county and hail was up to the size of a golf ball so I have to assume that I have roof and gutter damage (I haven't gone outside to assess the property yet.). My property is mortgage free and insured by USAA so I'm not sure how they will pay for the damage. A check to me or to the roofer. I have a deductible of $8,500 "sigh" so that will severely impact me financially. Now the wife tells me that we have baseball size hail coming via an IPhone alert. Ah well, things happen sometimes. That baseball size will give a lot of people a headache.