I do believe you can get an insurance policy on an older roof but they’re going to charge you an extreme amount for that policy. I would check both roofing quotes and insurance prices. And with your mom being 90 years old, she’s going to need a new roof or you’re going to need to put a new roof on when you sell the place anyways so feel free to check on both but I would just probably go ahead and put the new roof on and be done with it
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