In hail prone states, there is a big difference between retail roofing contractors that survive on hailstorm work ("stormers") and roofing contractors that do new construction. Each of these two types of RCs may or may not have a robust re-roof book of business even with no hail storm insurance money involved. Stormers are in and out: close the deal, swap out the roof, maximize margins as much as possible, get paid, move on. New construction roofers can be on jobs for a year or more. (Our record covers 3 turns of calendar years).
Many to most stormers will have "offices" in every large to medium-sized city in hail prone states. The office consists of a local phone number that transfers the the mothership office in what ever city they are based in. When the hail storm bat signal goes up they mobilize to hit the storm affected area.
I go to Charlotte and Pittsburgh quite a bit. Neither is a hail prone area. It is surprising how few residential RCs there are in those cities. When compared to Texas, both NC and PA require licensing so there is a barrier to entry for the industry and a reduced amount of contractors.
I have been approached a several times by "entrepreneurs" that have asked me how they can get into the roofing business. My first question to them is "why would you want to do that?" I get the same answer every time: "there's a lot of money in re-roofing houses for insurance claim money."
We don't do much storm work. Most of what we do is high-end new construction roofing, waterproofing and sheet metal work. We also do a fair amount of re-roofing for homeowners. On occasion it is related to an insurance claim.
I agree that the days of easy, insurance money roof replacements are drawing near to end.