Vineyards is a gated country club community in North Naples, around thirty-nine hundred residents with a median age of seventy and over six in ten aged sixty-five or more. It has been established long enough that its first generation of roofs is now well past twenty years.
That is the whole story here. Where the tile is still sound it can be lifted, the underlayment replaced and the original tile put back, which costs considerably less than a full tear-off. Knowing which of those two you need is what the inspection is for.