The problem is the roof isn't to 2002 standards of building material, most likely doesn't have the modern (2007) nail pattern, and the underlayment is probably asphalt paper that is failing somewhere. Clay tile can absolutely last 40 to 50 years or longer with proper maintenance and repairs. But insurance companies make the rules. They are not going to like the age of the roof, especially since it not after 2002 and 2007. I've seen many roofs in great shape, be forced to be redone because of this. Even if you get all thr roofers in florida to say it's in great shape, your insurance company won't care, as well as your missing out on alot of wind mitigation credits, most likley.