Any of the Florida landlords...Shaun, LisaFL etc,

At what point do you get your roofs replaced? I have one house that has a 15 year old roof at this point. I do have insurance on the house but I wanted to get a quote on a new policy for other reasons. The agent told me "no one else will do a policy on it because the roof is over 15 years old" and also "companies aren't writing new policies in that zip code at this time" which I thought was bizarre because this house is 40 State miles inland.

The roof doesn't have leaks or damage to my knowledge but now of course it's "old" by Florida insurance standards.

Do you think I should go ahead and get it replaced right now anyway so I don't end up in a bind later on if I get dropped by my current insurance for some reason, or would you leave it alone and try to get a few more years out of it? Thanks.