I have golfball sized (and bigger) holes THROUGH my carport decking and insurance says it's not hail damage... ummm... what? lol. They are saying they won't cover it cause one little corner of the carport plywood has a small spot of mold/decay so they are claiming that we didn't take care of the roof so therefore it's not blah blah blah... insurance, I still say it's a scam.