[almondz]

Originally Posted by banjobob

Tear off and reroof. Best and longest lasting.

Down here it doesn't really seem to matter how long a roof lasts. The insurance company will determine that - not dependent on how good your roof is, just how old(new) it is.

[JohnN]

Originally Posted by Bruce3055

I'd be interested in what the original poster finds with additional research

The original poster (me) is a lazy bum. My plan is to wait until a few months before I need a roof, then contact my insurance company to get their take on it. If it's NOT an issue, I'll talk to a few roofers later for quotes and pro/con of the options. I just wanted to get a few perspectives from all the smart folks who read this forum! I'd probably get a roof replacement, but I like to know options.