Should I replace or repair the roofs after the hurricanes

[Wang Windy]

Hello BP community,

I have bought 2 houses LTR in the Savannah GA area this year, specifically in Ellabell. One of them (house B) just closed less than a month ago. As Hurricane Helena went by, both of the roofs got damaged. Let's call them House A and House B for reference. Both houses have so-called 3-tab shingles that have low wind resistance. House A has a lower (but still high) wind storm deductible at 1%, while house B has a 5% deductible, and no one is occupying it as it was just closed. Considering the high deductible on House B, I am only filing a claim for House A, and coming out of pocket for the cost of repairing or replacing the roof for House B. 

Hopefully, my insurance will pay to replace the roof for House A, but I am debating whether to replace or repair the roof for House B. Here are some facts about house B. I have had multiple roofers look at it, and they all recommended reroofing with architectural shingles which are supposed to be more wind resistant.

House B: 

1. Has a ten-year-old roof 3-tab, but the condition is more deteriorated compared to its relatively young age. It lost a significant amount of granules from home inspection and multiple roofers. The shingles are in a similar condition to the 15-year-old House A. 

2. It is still repairable but would cost 800-1000 to repair, and probably has 3 years of life on it according to the inspector and roofers.

3. I got several estimates from roofers and the replacement cost is around 13k (it's a ~1600 sqft house). If you know roofers with better prices, please let me know!)

Reason to repair:

1. new shingles may still be blown away in the future. Being in its geographic location, hurricanes are not rare. 

2. The roof is only 10 years old

3. less expensive for now, but may cost more for repair with another hurricane in the next few years

Reasons of replacement:

1. According to the roofers, new architectural shingles should be more wind-resistant, however, I don't in how they are in real life. 

2. According to the roofers, the shingles have lost their granules 

Please let me your thoughts on whether I should replace or repair the roof, especially if you know that area well, but all comments are welcome!