When is time to file a claim

Bought new enclosed trailer early May , after looking for 2 + years and of course , it got nailed with hail Memorial day weekend .

Its not horrible but, its bad enough ! .. I counted 26 dings in it , and more I look , more I see its white so it hides them, once I file a claim , if it gets beat up worse I would be stuck, they might not even cover it any longer ?