Architectural shingles vs standard 3 tab

[Yuval Gilad]

Hi Experts,

I am filing an insurance claim on a roof on one of my rentals in central texas. it is a 15 year old 3-tab shingle roof with a bunch of wind and hail damage.

the insurance will pay for the roofing job, but the roofer mentioned to me that he can put architectural shingles on the roof instead of 3-tab for just 500$ extra which the insurance will obviously not cover.

from some research , I see that architectural shingles have a longer life span and more wind resistant which will perhaps save me money in the long run, however , I am not sure it's worth it as roofs are replaced due to hail damage pretty frequently in this area (once in 12-15 years) which is well within the 3-tab shingle life span.

I'd love to hear some advice from some people with experience in the field, as well as any roofers or contractors that know a thing or two about roofing and hail damage in central Texas.

thanks!