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Roof old, home insurance ?

We are first time home buyers and we are buying a house from the 90s in New England with a roof from the 90s with some visible maintenance issues (shingles curling). We realize we will need to replace it very soon.

Inspections are done and I am currently trying to get home owners insurance to proceed with this purchase.

But the insurance company is gonna get back to us on the roof… saying they may not be able to insure it.

I do some googling and see that old roofs or roofs that clearly need maintenance are an issue for home owner insurance companies and they don’t insure them.

What I want to know is why would my real estate broker not have told me this? She’s been very communicative otherwise …(I found at last night and haven’t had a chance to talk to her yet I just can’t sleep stressing about this).

If they won’t insure it how are we gonna get a mortgage? Will the buyers need to replace it first or will we be required to purchase the house without it being insurable??

I feel like this will delay our closing, please tell me if I’m wrong.

submitted by /u/Queasy_Freedom8142
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source https://www.reddit.com/r/RealEstate/comments/17cyeva/roof_old_home_insurance/
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