Roof Repair vs. Replacement: Which is the Best Option for Your Home?

Having a structurally sound roof is vital for protecting your home. Roof damage can result in several problems, including leaking, mold and mildew, pest infestations, reduced energy efficiency, and more. Not to mention it can lower your property value and create insurance complications. That’s why it’s critical to stay on top of your roof’s condition and not wait to make repairs, or when necessary, a full replacement. But how do you know when you need roof repair versus a replacement?

When Roof Repair is the Best Option

If your roof is only missing a few shingles, there’s a minor leak, or there’s just a small area of damage, roof repair is often sufficient. Also, if your roof is still relatively new and nowhere near the end of its lifespan, this is usually the best option. This is much more affordable than a full roof replacement, and repairs can be made quickly and easily. But to be completely sure that roof repair is in order, it’s important to have a professional inspection performed.

When Roof Replacement is Best

There are three main situations when a roof replacement makes sense.

• Your roof is severely damaged
• There are major issues that can’t be fixed by roof repair
• It’s nearing or at the end of its lifespan

Note that an asphalt shingle roof has an average lifespan of 20 years, while cedar shake roofs last about 30 years, and metal roofs can last 50 years or more. If there are numerous missing shingles, cracked or curling shingles, algae growing on shingles, or a large number of granules in your gutter, it’s likely time for a roof replacement. Again, we recommend having your roof inspected to determine if this is the best option for your home.

Financing a Roof Replacement with Home Insurance

If you’ve deemed that your roof needs replacing and the damage is due to wind, rain, hail, lightning, falling objects, snow, ice, or vandalism, your home insurance policy may cover it. Note, however, that normal aging, neglect, rot, and mold aren’t typically covered by insurance. But if your home meets the right eligibility criteria, you could qualify.