There should be no problem with a 10 yr old roof. The insurance company will ask for a “four point inspection”, then is all is well you will be ok’d for insurance, if any problems are found during “four pint” they will need to be addressed before insurance ok. You should not be afraid of a 10 year young roof. My house was built in 2004 and my State Farm insurance is just getting renewed now. However I was notified that next year roof will need to be replaced before renewal. I have no problem with that my roof is 19 years old, it’s time to replace as shingles now are just starting to curl.
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