This is plausible. That or it’s just a really cheap policy - no windstorm/hail damage is very much NOT normal for homeowners though, even so.
The rest of this is pretty standard stuff and the fact that people seem angry/surprised by it speaks volumes to how little attention they’ve paid to their own policies. Read your paperwork y’all. It’s tedious, but you are also party to the insurance contract that you’re paying for. It can also help you find grey areas of coverage, and a grey area (ambiguous language) tends to work out well for the insured party (you, if you have insurance).