How long should a pitched tiled roof last ?

rang insurance company up today to tell them that the roof was leaking and the bedroom ceiling was getting wet 1st of all they said i needed a plumber and when i said the bathroom was not above the bedroom they asked how long had the roof been on the house i said about 10 years according to the person i spoke to at the insurance a roof only has a life expectancy of 10 years ? so the leak is wear and tear and not covered on my policy