Part of the issue is just doing the same thing over and over. I just had a roof replaced last year for 2023 hail storm. Nice class 4 shingle 29k, cost me 5k. I researched getting a more hail resistant material but they are very hard to find and very few roofers are interested in using them. They just want to keep replacing with the same old asphalt/fiberglass composite for repeat business. Why the insurance companies don’t take the lead on better materials and building codes is beyond me. Especially for roofs. they outlawed shake shingles years ago. time to outlaw asphalt shingles. I understand hail causes all sorts of other damage but we have to start somewhere.