On occasion, you’ll look up at your roof and ask yourself a lot of questions. How much longer can I go with the existing material? Should I repair or replace my roof? What will it cost? Sometimes, nature forces you to make a choice quickly. At other times, you have flexibility. We’ve got some tips to help you choose the right path.
Roof Repair vs Roof Replacement
If you’re debating roof repair vs replacement, there are a few factors that you have to consider. With a few exceptions, you’ll be able to take the time to make an educated choice. Just keep in mind the value of your long-term investment as you decide.
The condition of the roof is likely the biggest factor influencing your decision. A roof that is caving in due to significant water damage or a falling tree will almost certainly need replacement. Similarly, a roof that is long past its lifespan with little leaks all over the place is a disaster waiting to happen. Under these conditions, you are better off investing in replacement. If the condition is generally good, you might have a little more time to wait or explore your options. Just remember to avoid these mistakes when replacing your roof.
Roof age is another major factor. A shingle roof lifespan depends on the material and the installation, but you can generally expect to get 10 to 25 years of use for most types. The older the roof gets, the closer you come to needing to replace it. As such, if you bought the roof a few years ago and the repair needs aren’t excessive, repair might make sense. By comparison, a roof that is long past its prime might not be worth the money spent on repairs, when you know you’ll have to replace it in a year or two anyway.
The time you have available for the work also makes a difference. As a general rule, a simple repair will take less time than a replacement, but it depends on a few things. Replacing a handful of shingles might be something a roofing contractor can do in a few hours, compared to at least a few days for roof replacement. Before you make a decision based on time, be sure to get estimates for roofing services. A complicated repair might take longer than a simple replacement, which can simplify your choice.
How Often to Replace Roof
Typically, you’ll need to plan to replace a roof once it nears the end of its lifespan. For most materials, that’s around 20 to 25 years. If you have a roof made of metal or slate, you could get up to 50 years or more out of the roof.
How to Get Insurance to Pay for Roof Replacement
Since roof repair and replacement tends to be a hefty investment, it’s worth investigating whether your insurance will cover part of the estimate. It depends on the type of insurance you have, as well as the reason you’re thinking of replacement. Some policies will cover a full replacement, while others only cover the depreciated value of the existing roof. Generally, insurance will only pay for replacement or repairs due to damage, not wear. Check your policy or call your insurance agent for more information.
Should You Repair or Replace Your Roof When Selling Your Home?
The decision to replace or repair a roof when selling a home depends on the roof’s condition, the real estate market in your neighborhood, and a few other factors. A roof that leaks or looks terrible could contribute to an overall bad state of curb appeal. If you live in a buyer’s market, buyers may expect you to repair it before they will make an offer. By comparison, if you live in a seller’s market and your roof is in good general condition, you might just need to do some roof cleaning and maintenance.
What Is the Difference Between Roof Repair and Replacement Insurance?
When you buy insurance for your home, you usually have the option to choose full replacement cost or repairs. The amount you get is based on actual value or replacement value. If your insurance covers full replacement value, you might be able to have your insurance cover the full price of replacement. If your policy only covers actual value, you’ll get a percentage of the cost of replacement related to the age and type. Keep in mind that replacement cost coverage changes as the roof gets older. Some policies may have an extra cost to insure an older roof, or set limits on the age at which they will pay for replacement.
When Should I Re-Roof My House?
There are a few reasons to consider replacement, including:
- Significant damage that requires replacement
- Nearing the end of its lifespan
- Long-term wear on the shingles
- Wanting to upgrade to a different color or material
Download our roofing cost guide to learn more about your options.
Should You Repair or Replace Your Asphalt Roof?
Deciding to fix or replace your asphalt roof depends on the damage and the age of the roof. A newer roof with minor damage might be easy and affordable to repair, while an older roof probably needs replacement. At Bromwell Construction Company, we have the expertise to help you make a choice that will work best for your home. Request an estimate to get started today.