Several years ago, our house was hit by large hail from a nearby tornado. We didn't have any visible damage and the roof looked OK. But we did see an insurance inspector on the roof across the street so we decided to call our insurance company. They came out and inspected the roof (which we though was fine) and told us that the damage was so bad that we needed a totally new roof! The force of the hail weakened the shingles and the Inspector told my husband that in a few years time, this could break through and cause water damage to the sub roof and then mold! He also showed my husband the damage to the rain gutters (something else that my husband couldn't see from the ground)! They also had to be replaced. My husband just said that he believes that it just cost us the deductible which was either $250 or $500 but well worth it. They explained to us that hail can cause damage that you can't see from the ground. So I would suggest that if you are in this of area of KY and had hail, it might be best to have the roof checked out. HTH, Janet ************************************** See what's new at http://www.aol.com