Are you talking about a report from a home inspector or from an appraiser related to your home mortgage?

Are your trying to finance conventionally or through FHA or VA?

A report from a home inspector is simply for your own information and decision-making, letting you know some (but never all) of the things you may face if you purchase the house. This type of report has no binding effect.

On the other hand, an appraiser, related to your home mortgage, will directly affect the amount of money that your lending agency will loan you. It sounds, from what you say, that if you do not get the suggested letter from a roofer, which your lender is suggesting, that your load may be in danger.

The appraiser's estimate to repair the roof is just that: an estimate and not a binding contract for reroofing. For that you need a proposed contract from one or more roofers.

Sounds like you need some more due diligence. Good luck with your project!

ditto what vc said. That doesn't make 'any' sense why your lender would say that! Did the appraiser lower their value on the repair of the roof?