It was the sound of the hail that woke you last night, but in the end it was the leaking water heater that kept you awake for the rest of the night. When the hail started at 3:00 am, both you and your wife bolted out of bed and went to check on the kids and the front of the house. Fortunate walk through the rest of the house, however, revealed a problem that was more immediate than the golf ball size hail outside. And while there was every chance that the hail would lead to an extensive list of…