Ключевые слова: accidents and disasters, bad condition, big, broken roof, building industry, climate change, climate warming, cold living insurance, damaged, danger, destroyed, elemental damage, environment, expert, falling waters, frozen, hail, hail damage, hail grain, hail insurance, hail shower, harm, hold, human hand, ice, ice chunks, insurance, living, natural disaster, palm, precipitation, rain, repair, roof, roof damage, roof tile, roofer, seriously, storm, storm damage, sturmschaden, surveyors, weather,