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.