Roof Replacement
Are you thinking a new roof might be needed for your house?

Roof Replacement: If so, the first place to check isn’t the outside of your home—it’s your attic.

So, arm yourself with a flashlight and climb up under the eaves.

Look for beams of light coming through the top of the house or stains and streaks, which signal a leaky roof.

Find something? That nagging question – will my homeowner insurance cover roof replacement? (Don’t worry, we’ll get into that topic.)

Consider this Author’s Point Of View (POV):


There’s no doubt a leaky roof is one of the biggest headaches homeowners can face! But did you know there are signs you can look out for so you’ll know it’s time to replace your roof before major damage is done?

In this post, we’ll go over 5 signs it might be time to replace your roof, then we’ll also help you determine if insurance will cover the damage.

A Video Production by: Featuring Guy from Weather Tight Roofing of Hemet CA.

Visible Roof Wear and Tear

If you can take one glance at your roof and see it isn’t in as good of shape as it used to be, it might need to be replaced. Be on the lookout for things like missing or damaged shingles or algae or moss growing on your roof.

Check For Changes in Shape

If your roof has begun to rot from moisture damage, it could start to sag in certain spots. Be on the lookout for changes in the shape of your roof, and if it looks like there are any dips that should be addressed.

Head to Your Attic

If you can access your attic, go there with a flashlight in hand. If you can see sunlight coming in through the beams, that means water could get in as well, so your roof might need to be fixed or replaced.

Do Your Research on Roof Replacement

Do you know when your roof was last replaced? Typically, an asphalt shingle roof will last between 20-25 years. Do your research to find out when and if your roof was last replaced, and this can help you determine if it’s time for an upgrade.

Will Insurance Cover a Leaky Roof?

Here’s one of the reasons it’s so important to stay on top of the condition of your roof and if it needs to be replaced:

If your roof does spring a leak, the biggest consideration in whether insurance will cover the damage is if it’s considered to be sudden and accidental or if it was due to negligence.

As we mentioned, a shingle asphalt roof usually lasts 20-25 years, so if it’s been 40 years and your roof hasn’t been replaced and it springs a leak, the damage likely won’t be covered.

But if your roof was well maintained and recently replaced, there’s a better chance insurance will cover the damage when something happens!


Remember; Just because you have a few damaged shingles or a bit of a leak, don’t automatically assume that you need a whole new roof. If your roof has been properly installed and is younger than 15 or 20 years old, it may get by with repairs rather than a full replacement.

For more questions about home insurance, contact sgb at: 

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(Related Article coming Soon)