August 13, 2025

Understanding What’s Actually Covered?

Your roof is your home’s first line of defense against the elements—but it’s easy to forget about it until a problem arises. Like everything else in your home, your roof has a lifespan. Waiting too long to replace it can lead to costly repairs, interior damage, and safety hazards.
Most roofing materials have a predictable lifespan:

  • Asphalt shingles: 20–25 years
  • Wood shakes: 20–30 years
  • Metal roofing: 40–70 years
  • Clay or concrete tile: 50+ years

If your roof is nearing or past its expected lifespan, it’s wise to start planning for a replacement—even if there are no visible issues yet.

Why It Matters:
Old roofs are more prone to leaks, poor insulation, and structural weaknesses, even if they look fine from the outside.

2. Shingle Damage and Wear

Take a look at your roof (from the ground or using binoculars) and check for:

  • Cracked, curled, or missing shingles
  • Granule loss (look for bald spots or granules in your gutters)
  • Buckling or warping

These are signs your shingles are breaking down and no longer protecting your home as they should.

Pro Tip: A few damaged shingles can be repaired, but widespread wear often means full replacement is more cost-effective.

3. Frequent Leaks or Water Stains

One leak doesn’t necessarily mean you need a new roof, but persistent leaks or water stains on ceilings and walls are red flags.

Signs of water damage include:

  • Brown stains on the ceiling or upper walls
  • Mold or mildew in the attic
  • Peeling paint or wallpaper
  • Dripping water during heavy rain

Why It Matters:
Leaks can damage insulation, cause rot, and weaken your home’s structure. If leaks recur after multiple repairs, the roofing system is likely failing.

4. Sagging Roof or Structural Issues

A sagging roofline is a serious issue that often indicates structural damage, such as:

  • Prolonged water damage
  • Rotting roof decking or rafters
  • Excessive weight from snow or moisture

What to Look For:

  • Areas of the roof that appear lower than others
  • A visibly wavy or dipping roof surface

Act Fast:
Sagging can lead to a roof collapse if not addressed promptly. This almost always requires a full roof replacement and structural reinforcement

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