@Samantha Serenes - From an insurance point of view, I'm 99.9% sure this won't be covered by insurance because there's no resulting property damage, it's normal wear and tear as you stated above, and it doesn't sound like the damage is due to a covered cause of loss (fire, lightning, water damage, wind, hail, etc.). 

If the property values in your market soften, if the tenant moves in and destroys it, fire, earthquakes, floods, hail, hurricane, another lock down requires you to keep a non-paying tenant - honestly anything - and my position in the property is at jeopardy.

Anyone interested in hail damaged properties in Pine Bluffs?

@Dawn Hail - you total all payments made to any entity in getting to the $600.

We have alot of members who hail from the SF area.

Similar results here for collin county with the exception of 2016 from the hail storms.

Being in Texas you just wait a few years till a hail storm comes through and let insurance pay for new roofs on all your properties.

I like metal for roofs as they hold up pretty well in hail and also are more fire resistant than other types of roofs.

We had a hail storm years ago that did significant damage, and that was covered under the HOA's insurance.

We've had claims on every property for hail at least once (with one requiring roof replacement twice due to hail).