I recently moved out of my house in The Villages, but only about 14 miles away. The house I’m in now is 31 years old and I had a four-point inspection done that states the roof is estimated to be good for another 19 years (50-year life). I had a heck of a time trying to get any insurance company to write my homeowner’s insurance due to the roof. They all state they only accept a roof less than 25 years old. My agent found one company that would write it, but for substantially higher premium than any other quotes before they found the age of the roof. You may want to take this into consideration.
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