Last weekend, I was chatting with my neighbor Mike about that crazy storm we had a few weeks ago—you know, the one that made it sound like golf balls were bouncing off our roofs? Anyway, turns out Mike’s dealing with this weird deductible thing on his insurance. Apparently, there's a separate deductible just for wind and hail damage, and it's way higher than the regular one. He thought he was covered pretty well until he checked the fine print. Now he's stuck paying way more out-of-pocket than he expected.
Got me thinking about a scenario: imagine you're in a small town that's constantly battered by wild storms and hail. Everyone's houses and cars are getting beat up regularly, and insurance companies start raising deductibles through the roof (pun intended, sorry). People start getting creative—building weird DIY structures to protect their property, maybe even forming neighborhood co-ops to share costs or build communal shelters. It could turn into some kind of quirky community drama or comedy, honestly.
Anyway, just an idea rattling around my head. Curious if anyone else has dealt with something similar or has ideas on how folks might adapt in a situation like this...
Interesting idea, but honestly, would DIY shelters even hold up against golf ball-sized hail? I've seen some "creative" solutions around my area...let's just say tarps and plywood don't always cut it when nature gets serious. Maybe community shelters would fare better?
