We get a few hailstorms here, probably not quite like Nebraska, but I'm pretty sure everyone on our street has gotten a new roof (at least one) due to hail except us. There is one house down the street that I think still has its original shake roof, too -- they were evidently very high quality shakes back 40 years ago. We had at least four insurance guys check us out, and it was always, Well, you need a new roof but not because of hail damage. Finally I gave up waiting for the hailstorm that would do it, because I decided that it would probably do way more damage than I really wanted, and we just a couple of weeks ago paid for our own new roof.
No one does that here! lol.
(That said ... I'm still waiting for a hailstorm, because we didn't buy quite as expensive of a roof as I wanted. Eventually I'm hoping to get another one, and will supplement the insurance check a little bit.)