The insurance company sent out an inspector after I switched from a homeowners policy to a rental property policy and decided that there were too many shingles missing and threatened to cancel my policy unless I replaced the roof (with only 10 days notice).
Switching companies would have quadrupled my annual premium and the new company would have probably required the same since it was now on record as a defect with the property.
I argued back and got them to agree to give me a 30 day extension if I got a repair contract and I've been busy all week getting it done. Initial estimates ran close to $20k but I managed to get it contracted for $12k from a good reputable company.