Insurance and roof woes!!!!

According to the Insurance adjuster we don't have hail damage...except for a small localized area. She says our roof is not 5-6 years old as the previous owners told us!
Last time we called the ins co to look at the roof in our former house after the ice storm of 2000, they canceled our policy...we are a bit skiddish and pray that will not happen this time. The adjuster is very sweet and is going to try to get us a new roof somehow! She also saw that we have asbestos tiles on the garage...that might just do us in!!! I'm not sure they knew about that when they gave us coverage!
Oh we are praying for a good outcome!!!!!!