Yes, you can still get homeowners insurance. If you live in a high risk area for windstorm damage, you'll just have to pay more than you did in the past.
No, but you cannot claim the loss on taxes.
NO, Homeowners Insurance would cover hail damage to the home depending on his policy but not to the cars, not his own car or anyone else's car. That's what car Insurance is for.
Check your policy for the extended coverages of wind and hail storms. If you have it then yes you will be covered for tornado damage.
Insurance will cover whatever damage to your vehicle as long as you have comprehensive insurance. As long as you have a HO-3 insurance, it will cover the replacement cost to your house if you take wind or hail damage as well.
Sure. You can buy liability insurance on the car but I doubt if the insurance company would sell you a policy with physical damage coverage. Most insurance companies would require you to have the vehicle repaired before allowing you to have physical damage coverage. You would have to have it inspected and photographed by the agent. As long as you have comprehensive coverage, most auto insurance companies would cover for hail damage. However, check your policy to make sure that there's hail damage is not excluded. Be prepared for hikes in premiums though; when an area has a lot of claims, the rates there tend to rise.
Contact your local insurance agency office. I am an insurance agent and we always have qualified contractors to recomment that meet very high standards to do work on our insurance claims.
No. That would come under comprehensive insurance.
Existing damage is never covered.
No. that's what Auto Insurance is for. Home insurance covers damage to your home from wind, hail, fire, lightning etc. Likewise, your auto insurance, comprehensive coverage would repair wind, fire, hail and lightning related damage to your vehicle.
Typically an insurance company will not drop you if your claims are due to an act of nature. However, if the company has experienced enough claims in your area to diminish it's capacity to pay future claims then there are regulatory requirements that the company reduce their exposure. Over exposure could result in a non renewal of yours and other home insurance policies in your area.