My buddy Dave in Amarillo got hit with golf ball hail back in 2019 and his asphalt shingles were toast. Insurance cut him a check for about 9 grand after his deductible and he went ahead and put a metal roof on instead. Two summers later another storm rolled through with baseball sized stuff and the metal just had some dents in it, no leaks, nothing. He said the insurance guy told him metal usually gets a cosmetic payout but the roof itself keeps working fine. Wish I had listened to him back then instead of waiting for my own storm to teach me.