If it’s floating through the air, it just might hit the roof since harmful pollutants and particulates hover within an “arm’s length” of your roof. These days, air isn’t nearly as clean as it once was. So if it’s surrounding the roof like a ring of ropes around a boxer, it can’t take much time for the roof to start wearing down.
Even the best-maintained housetops have very limited lifespans, typically about 20 years maximum. If it’s very young and there’s hardly a scratch on it, you can just have it slightly maintained and it’ll hold up for much longer.
Checking the roof once a year will allow for more time to find a solution to any evident problems. Most likely, if you find any problems, they won’t be fatal to the roof; a little cleanup here and there might solve it with no replacement needed, as long as:
1) It’s not repeatedly dripping.
2) There’s only minor damage on one or two sides.
3) It’s younger than 20.
4) The whole surface is fairly firm.
5) All the pieces and coatings are intact.
6) There’s no other roofing surface beneath.
7) You have no clogged gutters.
Under these circumstances, you shouldn’t have to think about getting a whole new roof. If a couple of these boxes are left unchecked for you, you may be fine.