The reality is - many insurance carriers got burned with likely thousands of roofs replaced in The Villages in the past few years - and were having to pay 50% premiums versus retail rates. Most of those roofs that were replaced "free of charge" likely were near the end of their "life" for property protection. So - it is not surprising there is a focus on roofs. In Texas and Oklahoma for example, many insurance companies put a substantial deductible for roof replacements.
A few thoughts:
a) Nobody can know if there are 2-3 years left on a roof. (I ran the largest roofing company in the country.)
b) Despite what the "label" says - most roofs in Florida last 15-20 years.
c) A primary reason for premature roof failure is not enough ventilation in the attic:
* Heat trapped.
* Shingles literally "fry."
Hope that helps.
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