Had that happened to us on the home we sold. Roof was 15 years old and the insurance company we had since we got that home sent us a letter that they were not covering us anymore due to the age of the roof.
We looked around and the only one that was willing to cover us was a company out of California. We paid dearly for the coverage $$$$.
We had company others that we were able to convince to come over and inspect the roof (something we had just done about a year before and were told we still had a good few years on it); the inspectors that did come out agreed that the roof was still in good shape but because of the policy/red tape the companies have to do what they were doing.
I would look for a good roofer.
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