Educate Yourself

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Caused by an improperly ventilated attic creating heat buid up on back side of shingle.  Feels smooth & hard to the touch with an absence of granules - not storm related damage.

Caused by hail strikes during a hail storm. Feels like a divot - it is soft in the middle and granules embedded.

Caused by thermal expansion due to improper ventilation in attic - not storm related damage.

Typically, insurance companies will not consider shingle debonding as wind damage.  However, once the single bond is broken it will not reseal compromising roof integrity. 

Typically, insurance companies will only pay to repair/replace missing shingles which compromises your roof and could void any warranty you may have.