The complaint alleges that on March 11, 2023, a severe storm with hail and wind caused immediate and substantial direct physical loss and damage to the property, including damage to the roofs and other exterior components. The policy term included the period of May 5, 2022, through May 5, 2023. The complaint asserts that the insurance policy was in force at the time, provided replacement cost coverage, and did not exclude hail or wind damage. The insured parties claim they fulfilled all policy obligations, including timely premium payments and prompt reporting of the loss.