I was looking at retirement homes for a buyer I’m working with and the homes he liked were from the late 90’s. A couple of listings boasted that the home had a 30 yr architectural shingle roof in great condition. Maybe the seller and the listing agent don’t understand that a roof older than 20 years is hard to insure regardless of the shingle warranty or the roof’s condition. Last year I decided  to shop for a better price on my home owner insurance after seeing better rates that many of my buyers were getting. My house is a 1998 with a 30 year roof. It was while searching for better rates I personally discovered the difficulty in shopping for insurance with an older but very good condition roof. I did succeed in lowering my insurance cost but I was also rejected by a couple of major Florida insurance carriers. This is a great link to my current insurance agent, Windward Insurance FAQ page on their web site with a question that addresses older roofs in Florida.