The insurance company is actually responcible for your roof being in good shape for a few years. If the roof is not repaired right, and say starts leaking in the area of the repair, say 3 or 4 years from now, you can have the repair re-done. Of course after 4 or 5 years, it will be considered normal wear and tear to have the roof re-sealed along it's seams, and such with rubber roof sealant, or other products.
Normally you should be resealing the seams every year if there is visible damage to the caulking. That is inspect yearly (or twice a year) and repair any visible leaks or damage to the caulking.
Good luck,
Fred.