“Should I repair or replace my roof?” It’s a question roofers hear often from homeowners and property owners. And while there’s no one-size-fits-all answer, several signs can help you choose wisely.
So, before you decide, make sure you understand your roof replacement options. Find out how to tell if you should repair or replace roof tiles, plus how to navigate insurance and more.
Should I Repair or Replace My Roof? 5 Ways to Tell
If you’ve received a roof repair quote, you might wonder whether it’s best to go ahead and pay for a temporary fix or invest in a new roof. Here are five things to consider as you make the choice.
- The age of your roof: If you have an old roof between 20-30 years old, you’re almost always better off replacing your roof than spending money on repairs.
- Your shingles: If they’re curling, or several are damaged or missing, a repair might be too costly or ineffective.
- Your energy bill: Unusually high electric bills can also point to an ongoing roof issue.
- Light coming in your attic: If you can see daylight through the roof of your attic, that’s a sure sign it’s time for a new one. Don’t delay calling a reputable roofer!
- Signs of leaks or sagging: Large leaks inside your home or visible sagging often indicate that you need a new roof. Both are tell-tale signs of a big problem.
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Does Homeowners Insurance Cover Roof Replacement?
Whether homeowners insurance covers roof replacement depends on several factors, like the cause of damage, the roof’s age, and the specifics of your policy.
Most policies consider your roof part of your dwelling coverage and will cover its replacement if damaged by “covered perils” like the following.
- Severe weather: Hail, wind, tornadoes, heavy snow, ice, etc.
- Falling objects: Trees, branches, debris, etc.
- Accidental events: Vehicle crashes, vandalism, etc.
- Fire and lightning: Refer to your insurance policy regarding natural vs. manmade causes
Be aware that insurance is less likely to cover regular wear and tear, roofs older than 20 years, or neglected roofs.
3 Tips to Maximize Your Chances of Insurance Coverage
- Invest in regular roof maintenance: Properly maintain your roof to avoid preventable damage.
- Consider an open-perils policy: This type of insurance offers broader coverage than a named-perils policy but also might be more expensive.
- Raise your coverage limits: If you live in an area prone to certain weather events, like hurricanes or frequent snow and ice, consider increasing your dwelling coverage limit to ensure adequate protection for your roof.
If you have questions about your policy, it’s best to call your insurance company. ProCover Exteriors has years of experience replacing roofs paid by insurance claims, so our team can guide you through the process. But it’s always essential to rely on your insurance agent for coverage details.
Why a New Roof Saves You Money in the Long Run
While the upfront cost of a new roof might seem daunting, it can be a wise investment that saves you money in the long run. Leaky roofs damage your structure’s interior and lead to higher energy bills year-round. Studies show that a well-insulated, energy-efficient roof can save on annual heating and cooling costs. Think of it as an investment that pays for itself over time — and keeps your wallet and home comfortable.
Plus, a new roof doesn’t just protect your current investment; it also adds value to your property. A study from Remodeling Magazine showed that replacing your roof can yield an ROI of nearly 60%.
Stop Searching, Start Fixing: ProCover Exteriors —Your Local Roof Repair Experts
Have you been searching for “roof repair near me?” ProCover Exteriors has served the Triad and Triangle for more than 15 years, and has extensive experience with both repairs and replacements.
Plus, all of our work includes a 5-year labor warranty, and we guarantee to provide you with top-quality products and workmanship for your home or business property.
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336-676-4201