This we had a hail storm in MD and I got a new roof and new siding, plus money for damaged patio furniture and damage to my cooling fins of my outside AC unit. I think my total was around 24-26K as well, I had aluminum siding so they replaced it all, I've heard that if you have vinyl they try to only replace the bad pieces which sometimes leaves it mismatched but I can't speak for that as I had a positive experience. I had one of the companies that came around that I felt was looking out for me the best and overall was a positive experience.
I paid nothing out of pocket not even my deductible. My annual premium did increase around $120 because of it but they said it was a cost of living but I know it was because of the storm and the damage in my area that it caused, and them trying to recover some of their costs.