Sort of a hail-Mary-pass.

Just not keen on that market long term unless I lived there and could get smoking deals to mitigate property tax's Hail damage and foundation issues.

Another interesting one relevant to Texas and our wild weather: If any property damage occurs due to a tenant leaving a window open during inclement weather (rain, hail, tornadoes, etc), the tenant must pay to repair the damages. 

if the roof doesn't leak, is well sealed laying well and you're replacing due to hail damage, a roof over may work just fine for a long time, and generally on higher pitched roofs, wouldn't do it on 3/12 or less.If you do a roof over, inspect the collar ties (cross tie between rafters at the upper 1/3 of the rafter just below the ridge) and ceiling joists properly tied into top plates, as there will be more weight to bear. 

We get more wind and hail than you might see in other markets.

I've since changed that as I am in an area of frequent hail activity and based on the fluctuations of hot and cold weather that the farmers almanac has predicted for this spring and into summer (and they tend to be eerily right), I'm anticipating some hail storms this year and am not in the mood to pay for the inevitable reroofs myself.

Arkansas from what I hear is typically on the high side of property insurance mostly due to wind/hail risk.  

There was recently a hail storm and their roof is being replaced by their insurance company.

I am assuming here in Texas, the insurance company is attempting to deflect wind and hail damage to the roof.  

In addition to what John said about deductibles, watch out for separate deductibles for different perils, higher wind and hail deductibles are common now in the Midwest, really try to avoid a percentage deductible if possible vs a flat dollar amount.