The metal fails before the field does
Salt-laden air attacks exposed fasteners, drip edge, vent housings, and flashing long before the shingles or tiles wear out. Homeowners near the coast often get told they need a full replacement when the honest finding is corroded metal on an otherwise serviceable roof.
What a coastal estimate should specify
Look for the fastener and flashing material called out by name. In a coastal environment the metal specification matters far more than it does inland, and a contractor who cannot tell you what metal they are installing has not thought about your location.
Rust stains are evidence, not a verdict
Streaking below vents or nail heads tells you metal is corroding. It does not by itself tell you the roof assembly has failed. Photograph the stains, note where they start, and ask a contractor to connect the visible corrosion to the scope they are proposing.
Maintenance is a real option near the water
Replacing corroded vents and reflashing penetrations is a legitimate middle path that coastal homeowners are rarely offered, because it is a small job. If a full replacement is being pushed on a roof with years of life left, ask what a targeted metal replacement would cost instead.
Frankly