What you're finding is typical throughout the country. Insurance companies have always conducted inspections of homes to spot potential sources of damage that will lead to claims. Let's compare it to pre-existing conditions for better understanding. There has been more emphasis on roofs because of the increased number of claims from storm/wind damage. Companies may have been more lenient in the past, but the cost of roofing materials has increased dramatically.
If your roof is sound and not deteriorated, you have an arguing point. Some roofing materials are made to last longer and hold up better in stormy weather. If they maintain their position after the inspection, you can ask for an extension on getting the work done. Despite the financial drain you didn't expect, you might be better off. Consider that storms typically result in water damage that could raise havoc with the interior of your home, your contents and belongings.
Sadly, being a loyal, long-term customer of a company doesn't mean you will receive preferential treatment or be granted exceptions. It's not like putting your $$$ into a savings account. They look at only the present situation.
Being in a storm susceptible area, there may be programs that offer low interest financing or even no-interest loans.
The best news, of course, would be that your roof meets their standards and will keep you safe and dry.