Roofing - Hail Damage

A hail storm recently went through my neighborhood. Some insurance inspections determined that some roofs needed replacement, others did not. My next door neighbor's roof is going to be replaced, yet mine was not that bad, according to the inspector.
I don't trust the insurance inspectors, so can you tell me what to look for in determining when to replace the roof? I am also trying to line up some estimates for the roof and siding from contractors, but I would like to have a better feel for what I am talking about.

Thank You!

 

don't take my answer wrong, but are you trying to replace hail damage, or replace you old roof and have insurance pay for it ?
If you have a hail damage roof, you will have pits, torn up shingles etc. The damage will be easy to see. Hail is a very funny character. In one spot it can tear something up, and 50 feet away, not even break a flower. Hail damage only occurs on the sides the hail or storm came from. Not on all sides. We do alot of hail damage work, and I have seen a hail pattern change across a wide wall. You can probably trust your inspectors. They have to go through alot of schooling to get an inspector license. They are not going to throw that away for a hail claim. They are independent contractors, who insurance companies call on to look at jobs. They have nothing to gain. They just get paid so much an inspection.