Perform visual checks from the ground twice a year (spring and fall) and after severe storms. Schedule a professional inspection every 1–2 years.

Look for missing or curling shingles, excessive granules in your gutters, dark streaks (algae), water stains on top-floor ceilings, or sagging areas along the roofline.

Standard architectural shingles last 20–30 years, metal roofing lasts 40–70 years, and tile or slate can endure 50+ years depending on climate exposure.

Usually blue-green algae or moss buildup in humid environments. While mostly cosmetic initially, persistent moss can hold moisture against the shingles and cause premature decay.

Not always. Isolated leaks from damaged flashing or a few missing shingles can often be repaired. Widespread deterioration across an aging roof typically requires a full replacement.

While some local codes allow a second layer, tearing off the old roof completely is strongly recommended to inspect the underlying decking for hidden rot or structural damage.

Hail causes bruised, dented, or granule-depleted spots on shingles, while high winds can lift, crack, or completely tear off shingle sections.

Insurance generally covers sudden storm damage (hail, high wind, falling tree limbs). It does not cover normal wear and tear due to age or neglected maintenance.

Most standard single-family home replacements take 1 to 3 days, depending on roof size, pitch complexity, and weather conditions.

Cost drivers include overall square footage, roof pitch/steepness, material chosen (asphalt vs. metal), accessibility, and any necessary repairs to rotten roof decking underneath.

Two warranties apply: the manufacturer’s warranty (covering material defects) and the contractor’s workmanship warranty (covering installation quality).