Even light hail can create damage to your roof. It's very important to try to continuously monitor the state of your roof. Hail and high winds will slowly destroy a roof, regardless of it's age. As soon as you see damage, or see shingles that have been blown off, it's time to have someone come out for a full inspection. Small damage can easily lead to large damage, including leaks that end up damaging other parts of the home.
Also keep in mind that your gutters need to be properly maintained and cleaned. Clogged gutters can also lead to extensive damage when the water begins to sit or overflow.
Contact your local roofing company for any questions, there are different factors such as location and climate that will always come into play.