Cabrillo did the same thing to us last year. We tried 8 different insurance companies and got the same answer, NO, because the roof was to old. Apparently, they go to local authority to see when last building permit was taken to replace the roof. The only company that would give us insurance was USAA, at twice the cost we previously paid. We had Batterbee Roofing come out to inspect our roof and they found no problems with it other than it was old, meaning no insurance claim and we had to pay for a new roof ourselves. I think the insurance companies are getting wise to all the roofs they have been paying for the last two years. Good luck
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