Susan Penn, PA, EWM Realtor
If the seller has no money to replace I suggest to have an addendum to give you cash back at closing to replace the missing items.
Weichert Realtors, Best Beach Re
As an agent who lists foreclosures, I have had this happen before. And the bank/seller did reduce the sales price.
Best of luck to you!
Otherwise, depending on the terms of your contract, the Seller may be able to use the insurance payment to buy similarly aged similar appliances and install them. http://www.Craigslist.com is a good source for used appliances.
If this was a regular transaction,(non distressed no bank involved) the seller needs to transfer the property in the same or better condition at the closing as the property was when the offer was accepted. So if the appliances were there, they need to be replaced with the same or better then what was there at the time the seller accepted the closing, or make up the difference to cover the replacement.