We ripped our shake roof off when we bought and went to 30 yr asphalt shingles. The shakes were so dry and cracked, a fire hazard for sure.
I'd call the insurance agent for the home. Shake roofs are a fire hazard and many areas do not allow them anymore.
My neighbor had a dried out shake roof, lightning hit it and boom, gone.
If your insurance company does cover it, it will probably be a higher premium than asphalt or tile rooing.