 Get your new roofs, get your new siding, your paint, your gutters, get it all squared away. But if a pipe leaks and you've got to call a plumber and it's $1,200, probably not a good idea to call your insurance because then the next year when you get that tennis ball hail, now you've got two claims and you're becoming a huge liability for these insurance companies. They don't want to keep you, and they're either going to double, triple, quadruple your rate or just drop you altogether.