*cough cough* Columbia reentry disaster *cough cough*
Ablatives don’t work if there is enough damage.
Tiles are much more fragile than some of the ablative materials out there. But, yes, they are not impervious to damage, but more tolerant of it.
Honestly, don’t you think the missile makers have thought of these limitations?
The space shuttle did not use an ablative heat shield.
Perhaps you should seek medical attention for that cough.