Flashing behind gutter

I have wind damage being repaired including roof, gutter run and downspouts on one side of house, fascia damage, and soffit damage. Actually had a small tornado come through my back yard so pretty much all of the damage is concentrated on the back and the back sides of the house.

Right now I am working with multiple companies in my area to get competing quotes on a roof replacement and also get differing opinions on everything. Insurance has already approved full replacement and repair of related damages as well and is paying out full RCV without any holdback except for code upgrades. It is a decent sized house and close to the gulf coast so we do have some higher standards in regards to wind so all of the quotes are coming in around 30-35k range for the main structure which is close to what I was expecting. Yes I can get it cheaper, but I am looking for quality and not cutting corners.

The question that has come up is whether or not the flashing behind the gutters needs to be replaced. One company stated that it was more trouble than it was worth to remove the gutters to replace the flashing that is behind them because the gutters protect it anyway so it should be fine. I am just looking for some community comments on this. TIA