Quoting asphalt shingle re-roofs in Texas - how do you factor in hail damage claims?

Been quoting a bunch of these asphalt shingle jobs lately, and with all the hail storms we've had out here in Texas so it's a nightmare sorting out insurance claims before even starting the estimate. I use Owens Corning Duration shingles mostly, but customers keep pushing back on the premium upgrade price without realizing the underlayment makes a huge difference in wind resistance. Last week I spent three hours on a site survey just measuring pitches and checking for rot, only for the homeowner to ghost me after I sent the bid. Someone in the Roofing Contractors Facebook group mentioned using Jobber for quicker estimates, but I'm still on pen and paper half the time. AFAIK, most guys add a 15% buffer for unexpected tear-off crap, but is that enough when material costs are jumping? Saw a similar thread on r/Roofing about this, mixed answers. Tommy Mello had a video on handling insurance adjusters that helped a bit. Anyone got a solid template for these quotes?

Hail claims are the worst, always lowball the payout then fight every line item on your quote.

I bake in a hail contingency line on every Texas bid, 10-20% depending on the zip code.

Pen and paper? Get with the times, man. Housecall Pro saved my ass on estimates last season.

Ghosting sucks, but follow up with a text the next day quoting the Owens Corning warranty benefits. Works 70% of the time.