Homeowner's Insurance Cancellation?

[Jose Rocha]

Hey everyone! My wife and I bought our second home and moved in at the beginning of this month, which is now our primary residence and renting out the first one.

For our new primary residence, as everyone should, got homeowner's insurance. This is my fault as I didn't pay attention to the email, but the insurance carrier required us to fix the roofs of our garage and home, if not they will cancel the policy next month. The home inspector did not mention any roof issues to recommend a complete replacement of them, but fix minor issues. I know insurances typically do a drive by inspection, but are these inspectors licensed? Can I argue the case and show the home inspector's report? They were only giving a month to replace both roofs. I do not think that's enough time at all!

What are your thoughts? My plan is to argue it for a bit, and if it doesn't work in my favor, switch insurances.

Look forward to your suggestions and sorry for the long post!

Jose