Unfortunately, due to many insurance frauds, companies are very strict in terms of age and condition, and it becomes very difficult to insure older roofs no matter what condition they are in.
People with roofs over 12 years old can have difficulty buying insurance as options become limited. Some companies will still consider insuring an older roof if the customer can get a roof inspection (usually costs about $ 100) stating that the roof has at least 5 years of remaining life.
The list of companies that accept a roof inspection is getting smaller, so it may be best to stay with your current insurance company until the roof has been replaced. We have seen some cases where a customer has moved to another insurance company due to a better price only to be terminated by the new insurance company due to the "condition of the roof". So now they may get stuck with a higher price because the previous company is unlikely to reintroduce unless a new application has been completed, and due to "unfavorable selection" they may have changed their ceiling requirements and the home is no longer eligible. [1
Most companies prefer a metal or clay roof and let them grow older. At present, a steel roof is probably the best option. They are accepted for up to 25 years or more at most companies.
Like single roofs, older clay roofs are becoming more difficult to insure with some insurance companies and may become the next "trend". This is because older clay roofs become difficult to match and HOA has sometimes required a homeowner to replace an entire clay roof, even if only a few tiles were damaged after a storm. This means that insurance companies pay more for repairs than they think, so pricing and age qualifications on play roofs can change over time if this trend continues.