Age provides context, but roofs of similar age can have different materials, exposure, maintenance histories, and defects. A calendar number does not replace examination of the assembly. Warranty duration also does not establish present condition.
What to do next
Gather installation and repair records where available. Ask the inspector to explain current findings independently of age. Use documented condition to compare options while keeping any underwriting or other third-party requirements as a separate question for the appropriate party.
Related Perkins guidance
Contact Perkins Roofing to discuss your roof and the appropriate next step.