How often does the insurance adjuster get up on the roof and layout a 10 x 10 square and then start hunting for hail hits? This is just a game they play because it means nothing. The first thing the adjuster will say is that this is their company policy, but what they did not tell you is that it is not written into the CONTRACT THAT THE HOME OR BUSINESS OWNER SIGNED. The insurance companies corporate policy has absolutely nothing to do with the written and signed contract policy. Don’t let them buffalo you. Hail does not have to have so many hits in a 10 x 10 area.