Insurance companies also tend to be more understanding of claims related to weather events (hail for ex.) than losses that are preventable. 6.

I have thought about solar panels in Texas, but am concerned about the hail damage to the panels.

And lets not forget deductibles for two roof replacements from hail damage. 

For instance a 30-year laminate roof that is 15 years old would be depreciated by 50%.Here's an example that's common in the Midwest where we have lots of hail storms: Suppose a hail storm comes through and causes significant damage to your roof, and the estimated cost to tear it off and replace it is $10,000.  

This will lower your insurance costs as well as greatly extend the life of your roof and has far superior protection against hail and repels a high majority of solar radiation.

I’ve included pictures from our opening day <link> Issues and Risks: We suffered damages to our roof during last month's hail storm.

@Steven Gesis  I can't speak for others but we usually have a claim or two a year as we will have 200 plus properties on our insurance at anyone time.. so if its not hail in the deep south.. its tenant or some other issue.. or car running into it.. or who knows.but I make a claim on any event I think they will cover and if they cover it I pay the deduct.. ( we have high deduct because of our sheer volume of properties) but my rates have never changed..I think many fear this as they relate it to auto insurance..

Insurance is also VERY high due to high wind, hail, etc...

The current mayor hails from Oak Park so there has been a ton of recent investment in the area ($10-30m mixed use projects).  

I've now had shingles blow off roofs, pipes break, sumps malfunction, hail damage, fire, etc.