I just noticed you are in Canada--I'm not familiar with how Canadian insurance companies operate regarding hail damage--but here it just seems we pay an arm and a leg year after year in premiums, then when our roofs get older and need replacing, we get a hail storm that confirms it, and insurance pays for replacement cost minus the deductible on the policy. My husband and I joke that our premiums are just a savings plan for the new roof in the future. It seems almost everyone in my neighborhood got a new roof last year.
I looked into and no such luck, its not part of our insuance plans. Thank you for the suggestion!