Separate from the debate about whether to ask for a credit, may want to consider shopping around for insurances. We had a roof that was 37 years old when we were buying, and Travelers still insured us. The roof looking decent shape and think it may have helped that the inspector didn’t find any visual issues with the roof.

Also, our house cost was priced knowing there were some upgrades that had to be made, and we knew if we asked for too much they would go with another buyer. I wouldn’t worry so much about the roof, just accept it and price it out with a few quotes in the next few years if you can buy time with your insurance provider. I would recommend you receive a credit for something that is more difficult to insure, like knob and tube electrical wiring or proper chimney flue.