Roof uninsurable after inspection

[Sean Lesser]

So I just purchased a house with an older roof in Florida where a 4PT inspection is required. The 4PT verified the roof was acceptable with 5 years estimated life left. I had to go off the standard market to get insurance since the roof was showing signs of aging. I just purchased the home last week with insurance in place and now the insurance provider came back and said we would need a full roof replacement since the roof is unacceptable upon further inspection.

What options do I have since the inspector gave me no reason to worry in the 4pt inspection prior to closing.

[Michael Platte]

Try running it through another insurance company. I'm here in Louisiana, but I had a similar issue with a tree that was near the house I purchased. When we went through inspection, it was noted in the report, and the insurance company was fine with it. After purchasing, the insurance company told me I had to cut it down or they would cancel my policy. So, I just ran it through another insurance company and got a new policy.