How do I know if I need a new roof?

Key signs include: missing or curling shingles, daylight through roof boards, sagging areas, water damage in attic, granules in gutters, and age over 20 years. If you notice multiple signs, schedule a professional inspection.

How much does a roof replacement cost?

Roof replacement costs range from $7,500-$20,000 for asphalt shingles on average homes (1,500-3,000 sq ft). Metal roofs cost $15,000-$50,000, while slate or tile can reach $25,000-$90,000.

Will insurance cover my roof replacement?

Insurance typically covers roof replacement due to sudden damage from storms, hail, wind, or falling objects. Normal wear and tear or gradual deterioration is usually not covered. Document damage thoroughly and file claims promptly.

Should I repair or replace my roof?

Repair if damage is isolated (less than 30% of roof), roof is under 10 years old, and costs are under $3,000. Replace if there's extensive damage, multiple leaks, structural issues, or the roof is near end of lifespan.

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Warning: Ignoring roof damage can lead to structural issues costing $10,000+ in repairs. This guide helps you identify problems before they become emergencies.

When to Replace Your Roof: 17 Warning Signs

The complete 2025 guide to knowing when your roof needs replacement vs. repair

20 min readInsurance Guide IncludedDIY Inspection Checklist

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20 min read

When to Replace Your Roof: The Complete 2025 Decision Guide

The 17 Warning Signs You Need a New Roof

🚨 Critical Signs (Replace Immediately)

⚠️ Serious Signs (Replace Soon)

📊 Age-Related Signs

💰 Economic Indicators

🏠 Interior Warning Signs

🔍 Professional Inspection Findings

Repair vs. Replace: Making the Right Decision

When to Repair (Under $3,000)

When to Replace ($8,000-$25,000+)

Cost Analysis: 2025 Roof Replacement Prices

Average Costs by Home Size:

Hidden Costs to Budget:

Insurance Coverage: Getting Your Roof Paid For

Covered Damage (Usually):

Not Covered (Typically):

How to File a Successful Claim:

Seasonal Timing: When to Schedule Replacement

Best Months (Lower Costs, Better Weather):

Avoid These Months:

The True Cost of Waiting

6-Month Delay Can Cause:

1-Year Delay Consequences:

How to Choose the Right Replacement Roof

Climate Considerations:

ROI by Material Type:

DIY Inspection Checklist

Safe Ground-Level Inspection:

Attic Inspection:

When to Call Professionals:

Preventive Maintenance to Extend Roof Life

Annual Tasks:

Every 3-5 Years:

Warning: Never Do These:

Final Decision Framework

Replace Immediately If:

Replace Within 6 Months If:

Can Wait 1-2 Years If:

Take Action: Your Next Steps

Don't Wait Until It's Too Late

Small roof problems become expensive disasters quickly. A free inspection today could save you thousands tomorrow.

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Don't Wait Until It's Too Late