I’ve called several other insurance companies (Geico, Allstate, etc.) and none are willing to ensure due to the claims (theft and hail damage). 

If there is a serious earthquake, hurricane, city wide fire, tornado, hail storm, flood, chemical spill into the water supply, crime increase, riots, drug house down the street - I know that these never happen, (except that these are rather regular occurrences) but let's say such an occurrence occurs in your neighborhood, what do you do if you own?

You need a marketing and sales strategy- without it, you are just throwing a hail mary! 

This hails back to the old days when we needed armed IRS agents to take down Al Capone. 

If there is any interest there, it will showIf they look like they want to sell, but say no, you can throw a hail Mary.  

One roof contractor said rood may needs to be replaced due to hail and wind damages.

If a roof is leaking, and it's not due to hail damage or another "catastrophic event" then you've got to buy that roof.Not all insurance policies cover broken pipes. 

JESTIN - Hail to you - I am a former Minnesotan, escaped after college to the desert SW.  :-)I have had SFH rentals and condos for 13 years.  

Life of the roof is usually 30 years which is a common shingle life span although can be a little more or less depending on what the roof has in terms of wear, hail, sun, etc and the shingles you use.

They may have replaced the roof since it was built due to hail/wind damage.