[undercoverbrother]

Originally Posted by Raekwon

Its the same here, overland flooding insurance is not available in many areas in Alberta and there is a serious risk of hail damage not being insurable in the near future (For cars or homes). Insurance companies still need to make profit and they hire some really smart people to do the math and determine the risk so you are right if they don't think its profitable at all the government would be running it at a loss.

I seem them locking down coverage before excluding it.

Some insurers are going to ACV on siding and I am sure soft metals will be next as it relates to hail damage.

Exclusions are a bigger step