Insurance Company Demanding Roof Replacement

[Anthony C.]

I have been notified by my insurance company that they are cancelling my policy due to "the dwelling roof has curling, lifting and granular loss shingles." I had a roofing contractor inspect the roof and give me a quote. He informed me that he would not have recommended a new roof at this time and ensured a 3-5 years left by his estimation. He agreed to write a letter but my insurance company won't accept it.

This isn't the first time this happened so I am convinced I will be replacing the roof this summer. The problem is what do I do until then? My insurance company gave me only 45 days until my policy is cancelled and I can't get my roof replaced in February (property is in Rochester, NY). I am calling around for quotes but am concerned this will be an ongoing problem until the roof is replaced. Are there options for me to get by until roof replacing season without paying insane premiums?

Some more info: Duplex in city of Rochester, NY. 2.5 stories, 2800 sq ft. and I am occupying one unit. Roof requires full tear off and replacement.

Any advice is greatly appreciated!