I'd probably get the insurance that insures the house and not the roof, and budget to replace the roof.?
If the new inspection says it needs to be replaced now, you may consider splitting the expense.? They don't owe you a brand new roof, just a functional roof with several years life span.
Source: http://www.zillow.com/advice-thread/Who-pays-for-roof-seller-or-buyer/485236/
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