I think State Farm was probably telling you the truth when they said they don't care how old your roof is. I have yet to hear a valid excuse for why any insurance company would care how old the roof is, unless it's obviously on the verge of leaking. If it was installed according to current code, a 30-year-old roof is no more likely to be ripped off in a tornado than a new one. The reason FLORIDA insurance companies don't like old roofs is because FLORIDA CITIZENS have a habit of scamming their insurance company out of a roof when they want a new one.
State Farm has always been notoriously picky about who they deal with, as well as quick to drop someone who makes a claim. I think they probably give a much bigger weight to your insurance history than the age of your roof. It wouldn't surprise me if they told you the rejection was due to roof age when the real reason was a 20-year-old insurance claim they found in your record, that they didn't want to argue about.
Nobody tells the truth these days when a lie is easier.
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