Yea, hail and wind damage is just calculated into the cost of the insurance. We don;t have to worry at all about tsunamis or volcanoes however!
We had an earthquake a few days ago. It was a 3.3 magnitude. It sounds like the dumpster driver setting down the dumpster too hard, just a loud boom, and the the concrete floor bumps up a little in a wave from the window to the closet door, like flapping a sheet when making the bed to get the sheet to move.