We did this. Hail damage. There wasn't no damage. We'd had a hail storm. But... we've had them before. The root was 17 years old at that point, and... the last storm sort of tipped things over to the "needs repair" side of things. We may have been able to leave it a while longer, but do we wait until it's leaking, causing more damage? Insurance company sent an inspector, took pics, etc. Interestingly, they denied the claims of many of our neighbors, but ours was 'bad enough' to justify replacement. This still cost us several thousand of of pocket - it wasn't like it was 'free roof!' time.