Insurance policy -- roofing in JAX

[Chris Huang]

Recently purchased SFH (32244), State Farm quoted us $940 (loyalty discount rate) for property insurance.

State Farm contacted us this week to inform us that they will no longer carry our policy in 14 days due to the 4-point inspection (roof).  Their underwriters aren't comfortable with insuring a property when the lifetime expectancy for roofs are typically 20 years, we have 2-3 years warranty left.  The townhouse was built in 2003 and the roof looks to be in excellent condition with no issues, as per inspector. However, inspection report can only reference to when permits were pulled or when the house was built (18 years ago).

I'll need to find another insurance company or possibly install new a roof.  

Any suggestions or similar experience?

Thank you.