Re: As usual, it's cover for taking advantage of old people
What do the make roofs out of in the US if they have to be replaced after 10 years?
They don't.
They make roofs that have to be maintained at 10-15 years, and re-skinned at 20-30 years. The 10 year replacement requirement is an insurance company scam to avoid payouts to people who didn't do the 10-15 year maintenance.
Paper? Even a thatched roof should last about 25 years.
Yes. The "traditional" roof in the USA was wooden shingles (because, unlike Western Europe including Britain, the USA had not run out of wood), but by ~100~ years ago, they had moved to oil-impregnated paper (cloth, but the cloth is basically paper) shingles (like "Linoleum", aka "Lino", commonly called "Bitumen" or "Asphalt"). Like a thatched roof, it needs to be maintained, you start to get leaks and loose shingles, and if you don't fix that, you get damage to the (wooden) substrate. Like Lino, you get wear and tear on shingles, even on your roof. They crack and tear, get scuffed, get mold/lichen, and they are very thin and light weight. The shingles are just a cheap skin, and with weathering, the skin needs regular replacement.
The odd thing is, they are so used to using a skinned roof, that you see the same construction even with ceramic tiles: The tiles used just as weather proofing and decoration on top of a standard plywood roof.