here is what can happen:
You lose the depreciation forever. So when you DO decide to replace the roof, you are out of pocket that amount.
Your roof, and anything under it that gets damaged from a leak, is completely uninsured. if another storm comes along, and blows half of your shingles off in 6 months, they come out and find that you have the old shingles on, then they dont pay you any more money, because they already paid to replace it.
and you dont see any damage? not surprising. you arent a roofer, or knowledgeable in what damage looks like. so dont feel bad.
if i took my Rolex in for service, and they told me there was damage to the inside, and if i didnt fix it, my $10,000 watch would soon either stop working, or possibly tell me the wrong time every day, making me late for appointments, and costing me money in other ways… well, i’d probably leave it to the experts and have them fix it.
besides… if you REALLY didnt have any damage, dont you think that the insurance company, who is ONLY out to make money, and save themselves money, would be so easy to offer to pay for you to get a brand new roof?