10 Important Signs You May Need a New Roof
Not sure if it’s time for a new roof? Unless you’re a roofing professional, it may be hard to tell. To help, we’ve put together 10 warning signs that could mean it’s time for a replacement. Since roof repairs are among the most expensive home improvements, catching problems early can help you avoid bigger headaches, and bigger bills, down the line. With a watchful eye and regular maintenance, you can extend your roof’s life and protect your home for years to come.
Spotting the warning signs
Recognizing the warning signs of a failing roof is part of responsible home maintenance. Many roofing issues start small and worsen over time, so early detection may help you avoid costly repairs and serious damage.
Issues you can see from outside
Some of the most noticeable warning signs appear on your roof’s exterior, and they can be your first clue that something’s wrong. Check your roof regularly for these issues:
1. Cracked, curling or missing shingles
Take a good look at your roof’s shingles. If you see any that are curling, cracked, missing or damaged, these are indicators that your roofing system may need to be replaced. Damaged shingles can lead to water intrusion and further deterioration of the roof deck beneath.
2. Moss, mold or algae growth
If your roof looks green, it’s possible that moss or algae has made its way onto your shingles. Moss can damage your roof over time since it tends to keep the surface damp for long periods, increasing the risk of water getting under the shingles and causing mold to grow. Be careful not to scrape moss off your roof on your own; this can cause more harm than good.
3. Damaged flashing around vents or chimneys
Flashing around vents, skylights, chimneys and roof joints seals the seams against rain. It can deteriorate over time due to rust, corrosion or displacement, leading to water infiltration. Regularly inspect for rust, missing nails or cracked caulking in flashing.
4. Granules collecting in gutters or downspouts
Granules are designed to help protect your roof from excessive sun damage and are made of crushed stone and other materials that are on top of your roof’s shingles. If you’re cleaning out your gutters and find granules, it may be time for a new roof – especially if your roof is over 10 years old.
Changes you may notice indoors
Be mindful of what’s happening inside of your home. Changes indoors can sometimes be early signs of trouble.
5. Water stains, musty smells or peeling paint
If you’re noticing water stains, peeling paint, musty smells or damp rafters, that may indicate potential roof damage. Regular attic inspections, especially after heavy rain, can help minimize the risk of long-term water damage.
6. Sudden increases in energy bills
If your energy bills are higher than usual in the summer and winter, your roof could be the issue. A deteriorating roof can lead to air leaks, forcing your HVAC system to work overtime and driving up your utility costs.
Structural concerns that warrant attention
Structural issues often point to deeper problems that can compromise your roof’s integrity and your home’s overall safety.
7. Sagging or uneven rooflines
Uneven rooflines may indicate rotting or weakened structural supports that need immediate attention. An easy way to check is by stepping back and viewing your roof from across the street and from different angles. If you notice any sagging, drooping or wavy sections, it’s a strong sign that it’s time to replace your roof.
8. Daylight visible through roof beams
A little daylight in your attic can be normal — vents and gables often let in some light. But if you see large beams of light or noticeable water stains, it could be a sign that your roof needs replacing.
Age and ongoing repair issues
Even without visible widespread damage, these factors may mean it’s time to replace your roof:
9. Roof is approaching or past its expected lifespan
Many homeowners wonder how often to replace a roof. Generally, most asphalt shingle roofs last between 15 and 30 years, depending on roofing material, climate and how well the roof has been maintained. And, if you installed a new roof over a layer of existing shingles, you may need a replacement after 20 years.
10. Frequent need for repairs or patching
If you find yourself repeatedly repairing leaks, patching damaged flashing or replacing missing shingles, it could be a sign that your roof is nearing the end of its lifespan. Instead of continuing with temporary fixes, it may be more cost-effective and safer in the long run to consider a full roof replacement.
What to do if you see these warning signs
If you spot any of these warning signs, reaching out to a licensed and insured roofing professional is often the quickest way to find out if your roof needs replacing. If it turns out you do need a new roof, here are a few tips to help you get started:
- Get multiple quotes to find the right contractor for your needs.
- Consider getting your roof replaced in the offseason to save money.
- Explore energy-efficient options, which may come with federal, state and local government incentives.
- Check with your insurance company. Many carriers can match you with a licensed and insured contractor. At Amica, we have the Home Repair Assistance Program, which connects policyholders with certified contractors to ensure high-quality service. And, depending on the cause and extent of damage, your homeowners insurance may help cover roof replacement.
Most homeowners need to replace their roofs eventually. It's part of regular home maintenance and an important investment in your property. It may seem costly now, but it is an investment that saves you from major hassles and expenses in the future.
Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.
This inclusion of non-Amica companies, products, services or statement herein (“Third-Party Content”) is for general informational purposes only and does not constitute a recommendation or endorsement by Amica Insurance. Policies, views, opinions or positions of Third-Party Content expressed herein are those of the authors and do not necessarily reflect the policies, views, opinions or positions of Amica Insurance. Amica Insurance makes no warranties, expressed or implied, as to the accuracy and reliability of Third-Party Content.
This content may contain helpful tips, explanation and advice. Your use of this information is voluntary and may not be effective in every circumstance. Amica encourages you to use good judgement and put safety first.
For more information on our editorial process and content standard, take a look at our editorial guidelines.
AMIC-03-081226