If you put solar panels on your roof in Dallas you would have to replace them every few years after hail storms.
Really? Solar panels are rated for 1" hail falling at 50mph. 1" hail would mean that everyone in Dallas is replacing their roof every few years because shingles aren't rated for that impact. But I guess you think People in Dallas are too stupid to buy insurance for their homes which would replace damaged roofs and damaged solar panels.
You do realize insurance isn't free don't you?