I appraised a property for an FHA-Insured reverse mortgage and made the appraisal subject to a roof inspection - CB4. When questioned by the underwriter as to why a roof inspection would be required, I reiterated: "The appraiser is not a roof expert, the roof appears to be nearing the end of its age-life. A roof expert will need to inspect the roof to determine its remaining utility and report on any needed repairs and/or replacement." The underwriter responded with, "Thank you for your follow up. Please remove the comment about the roof or comment as to why you feel it needs to be inspected. You state you are not a roof expert but then say the roof appears to be nearing the end of it's economic life but don't state why you feel that way. If you can't say why you feel that way then the comment should be removed because as you state you are not a roof expert, so how can you determine it is near the end of it's economic life without specific reasons. There has to be a reason why you feel the roof is nearing the end of it's economic life and they just want you to comment on it so they can order a roof inspection." I've never been asked to provide further detail when requiring a roof inspection... My opinion that the roof appears to warrant inspection has been enough in the past. I'm open to education if that's what I need. Am I being ambiguous with my explanation of why the roof needs an inspection? Do I need to offer more detail in the future? Your guidance and help are greatly appreciated!