TEXAS never fails! Every year we have big winds, big hail, and the threat of severe weather. As a homeowner with a two-story, pitched roof that was only about 15 years old, I thought to myself...Well, there are no leaks or missing shingles so we are good. We don't need to file an insurance claim. We don't need to worry until we have a leak or need to sell. Unfortunately, its not that simple. As the years went by and the roof got older, I noticed our homeowner insurance had b