Linflas,
In addition to what the others say, I'd like to offer my advice. I am a meteorologist for the government and we deal with lots of homeowners, contractors, and insurance agents asking about hail damage. I also had my roof on our old house replaced in summer 2001.
* Not sure where you live, but here in Oklahoma we get at least 1 large hail event (> 1.5 inch) every year or two. So having roofs replaced is a common occurance. In spring 2001, we had 3 bad hailstorms in a row. The first had hail around quarter size, the other 2 were at least golfball size. It takes at least quarter size hail to damage cars so I would assume it takes similarly large hail (and long duration of it > 5 minutes) to do much damage to a roof, but I don't know the details. I would guess it only hastens the aging process. My neighbors told me to look for "waves" in between the triangle beams for signs its time to replace. If you're in an area where hail that size does not occur often and you see lots of ambulence/storm chasers (i.e. roofing contractors) in your neighborhood after a storm, I bet they are desperate for the insurance buisiness.
* When we bought our first house in 96 (just under 10 years old at the time), our insurance agent (Farmers) only cared about how old the roof was. He did not insure a home if the roof was more than 10 years old and if it was he wanted the seller to replace it. They also did a drive by to inspect the roof. This could be b/c we get lots of hailstorms in OK, but I didn't really ask. I suppose they had their reasons.
* After the 3rd hailstorm in 2 months in 2001, and knowing that the roof was now 14 years old I filed a claim. Luckily our neighbor knew of a good company that worked *fast*. They put on his new roof in one day. While its good advice to get multiple quotes, I would avoid the low bidder unless their reputation was superior. We've known several people who used cheapo roofers and had their roof half done for literally weeks. I would seek advice of people who are in the house contracting buisiness or had a good experience with a roofer. I would be very wary of "buisnesses" coming to my house or calling me out of the blue. At work, we have several individuals that call looking for any location that received large hail the night before, even if it was in another state, probably the same people who cold call.
* I was expecting to get screwed a little since we had a $1000 deductable on our house, but it turned out very well. We use Farmers and they were very cooperative and helpful using our choice of contractor. Sure enough, the contractor came and set up around 10 am, finished the roof by 7pm and hauled off the old roof the next morning.
* We ended up moving that October so adding "New Roof in 2001" was another plus to sell the house in a slow month. It sold in 2 weeks.
I would not worry too much about new roofs. I think its a more reputable buisiness to be in than siding or whatever. If you plan on being in your home for several more years and the roof is relatively new, I would leave it alone. If you don't remember how large the hail was during the storm, call your NWS office and they'll tell you for free. HTH.