Hail damage to roofs is a very large loss category for insurance companies. In recent years most insurance companies have been promoting Class 4 Impact Resistant Roofs.
A class 4 impact resistant roof has a better chance of withstanding hail, then lower quality roofs do. If more homeowners have impact-resistant roofs then the insurance company is less likely to have to pay for damages from hail. The list of impact resistant roofs includes many types of asphalt shingle, composition shingle, and metal shingle roofing systems. State Farm has a state-by-state list of impact resistant roofs that qualify for a discount. The discounts vary depending on the insurance company.
When your metal roof is made from high-quality materials and installed by highly skilled professionals, you will have a roof covering that protects you for years to come.
The good thing about Texas is most people upgrade to a metal roof after a hail storm, since your insurance company is already paying for the replacement of your existing roof. The key is finding a metal roof that fits your budget and is installed by a quality metal roofing contractor.