How can I replace my roof I have 20000.00 in doctor bills to pay What do I Do

You replace the roof or lose your howowners insurance... you don't have a choice. Get a second job to pay for it if you have to... borrow some money if you can. Its your choice.

If you lose your insurance and then lose the house to fire or other catastrophe you stand to lose whatever the value of the house is, and that most likely is far more than 20,000. Try to work out a payment plan for the medical bills and try to find a roofer that will stretch the payments out. If you have a mortgage, your next problem will be with the mortgage holder when they find out you have no insurance. If a bank is involved they may be willing to adjust the payments to avoid a future foreclosure. Pull out all the stops. If the insurance company got this excited the roof must be in a condition that could result in serious damage with just rain or high winds.
Churches that I have attended very often get into re-roofing houses as mission-type projects.

You don't pay the doctor bills for a while and get the roof fixed.