While replacing a roof every 10 years might seem like an extreme action, here's an interesting data point. The neighborhood we live in got caught in the 2008-09 recession. The original builder went out of business. When Florence hit in 2018 there were 30 or so homes that were 11-12 years old and 100 or so homes that were 5-7 years old. Almost none of the newer homes lost shingles. Nearly all of the older homes lost shingles and had major water intrusion damage. Our next door neighbor at the time lost an upstairs room, all the flooring on their first floor, and ceiling drywall damage in the garage. The older house next to them had to be gutted to the studs and the homeowners were out of the house for a year due to materials delays. To look at their roofs and see a patch of shingles missing you'd think, "oh that doesn't look too bad" but then 30" of rain went directly into their house.