I recommend calling a reputable roofer to verify the condition of the roof. What i was told when i did a wind mitigation inspection, that those years, about 50% of the claimed years of lie of the roof due to FL conditions, are estimates. At that time, i was told to have the roof inspected. Either the roofers will agree with the insurance company or they will extend the life of the roof expectancy. Have them put it in writing and submit it to the insurance company. It may add 1 or 2 years to the time when the roof would need to be replaced. Or you can go ahead and replace it now.
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