Imagine this: a late afternoon summer storm rolls unexpectedly through Fresno, not just with torrential rain, but with a sudden, violent barrage of hail. For Mr. and Mrs. Chen, homeowners in the Old Fig Garden neighborhood, it was a terrifying experience. They watched from their windows as golf-ball-sized ice stones hammered their beautiful Spanish tile roof. The next morning, a quick look from the ground seemed to show everything was okay, just a few dents on the car. They breathed a sigh of relief and put the event behind them.
Weeks later, however, a dark stain appeared on their living room ceiling. Soon after, water dripped during the next rain. What started as what they thought was an innocuous weather event had spiraled into a costly