Insurance Inspxn: "must replace roof" Buyer inspection: Roof OK

[Sandhya Gorman]

Hi,

First time investor here.  I purchased an older property and the inspection I commissioned said the roof has a few missing singles and the missing shingles should be replaced.   There is also a note that the in my report that says there should be "further evaluation" of the roof due to discoloration of the roof sheathing as seen through the attic.  However, the insurance inspection is requiring I replace the entire roof!  I suppose I could find a local insurance provider who might be able to insure the property or shop other national insurance providers.  

I'd appreciate any guidance and insight on my situation.  Replacing a roof is expensive but I'd rather have it done sooner rather than pay more for insurance (assuming I can find alternate coverage) if the roof truly needs replacing.  Thanks in advance, Sandhya