The Age Old Question: Repair or Replace?
The rooftop represents a significant investment, both the security of your home and the safety of your family. That’s why it’s so crucial to understand its aging process and the tell-tale signs when it’s time for repair.
Eventually however, there comes a moment when repairs no longer make sense financially for your family. You’re left with a very tough call: do I repair or replace my roof?
Today, we’re going to dive into this crucial question and find simple ways to answer it. By the end you should know when to repair roof damage, and when the roof needs to be replaced. Let’s get started!
Is it Better to Repair or Replace a Roof?
To answer this question for your own home, you’re going to have to weigh two crucial factors: the age of your roofing system and its condition. The lifetimes of shingle roofing systems are fairly simple to track, especially since most only last for 20 years, sometimes less. However, long-term roofing solutions (especially those lasting longer than 50 years) can be challenging to date.
We’ll explore more of how age and rooftop condition factor into your decision below.
How Often Should I Replace My Roof?
Most roofing materials come with an estimated lifetime. This is a period based upon what most homeowners (and businesses) have experienced in the past. As you research the projected lifetimes for your roofing material, keep in mind that some manufacturers and roofing companies tend to be overly optimistic – that’s a polite way of putting it – regarding the longevity of their materials. Some add few years for good maintenance practices, while others add entire decades with the assumption the homeowner has the roof coated.
Compare multiple estimates to get a clearer picture. For base level asphalt shingles, expect a typical lifetime of 15 to 20 years. Higher grade materials, such as weather-resistant shingles or certain flat roof installations, may last 30 years or longer. If your home has a premium roofing material like synthetic shingles or metal roofing, estimate a minimum of 50 years.
While you may have restoration or repair options at the end of your roof’s lifetime, go ahead and plan for a full replacement to simplify planning. Even if you don’t know the exact age of your roof, there should be signs to let you know when that time is near.
How Do I Know if My Roof Needs to Be Replaced?
When a home’s air conditioning system gets older, breakdowns often come with greater frequency and cost. Your roofing system acts in a similar way. Shingles may start to curl or show signs of UV radiation damage. Adhesives break down. If you spot any of the following damage signs on your roof (especially when spread out and in high volume), it’s time to start planning replacement.
Signs Your Roof Needs to Be Replaced
- Missing or torn off shingles
- Structural damage in the decking or supports
- Pock marks in the shingles
- Severely faded roofing
- Exposed lower layers
- Awkward bulges in the roof
Of course, some roofing problems aren’t even related to the age of the system. Severe winds, hail damage, snow weight, and other natural hazards can also damage your roof without warning. One of the hardest parts of knowing when to repair or replace roof shingles is identifying how severe the trauma is, which is why professional roofers are so popular during storm-season.
Weighing Your Decision Financially
This would be a pretty impractical guide if we didn’t take budget and other financial factors into account. Below are some common homeowner questions!
Is Roof Repair Covered by Insurance?
That depends on the origin of the rooftop damage. Was your home struck by a heavy wind storm that ripped off some shingles? Most storm damage, clearly unavoidable for the homeowner, should be covered under your insurance (assuming it’s detailed in your policy). However, if a roof suffers trauma as a result of poor maintenance on the homeowner’s behalf, they could be on the hook for all or part of the repair costs!
Is Roof Replacement Covered by Homeowners Insurance?
Homeowners insurance will cover most incidents of unforeseeable hazards totaling your roof. If you work with a stingy company that tries to wiggle it’s way out of paying out claims, make sure you ask your roofing company to help document the damage. Photographs and an official, detailed report from a licensed roofing contractor should be enough to secure your payout.
Can You Finance Roof Replacement?
Because roof replacements can easily go into the tens of thousands of dollars, financing is likely going to pay a major role in your decision!
Most established roofing companies have an established banking partner just so they can offer you financing options. However, it’s worth confirming with each potential roofing company that they have financing available (whether you repair or replace). Check the fine lines of the financing agreement if any particular deal looks too good to be true.
Schedule Your Professional Consultation!
Hopefully, this guide will keep you grounded the next time you need to repair or replace in Long Island, NY. If your home has been affected by a recent storm or is simply overdue for an inspection, our team at Quality Homes USA, Inc. would love to help! Give us a call today at 516-900-9003.