5 Signs You Need a New Roof

By the Mercury Team

Over time, even the best roofs start to show signs of wear and tear, which can lead to bigger problems if you don’t address them. Knowing what to look for and when it’s time to take action can save you from costly repairs down the road, so we’re here to walk you through five signs that you might need a new roof.

1. Age of the Roof

Nothing lasts forever, and roofs are no exception. However, a roof’s lifespan largely depends on the types of materials used and the conditions it’s exposed to.

How Long Should a Roof Last?

On average, here’s what you can expect:

• Asphalt shingles: These are the most common roofing material and typically last 20 to 30 years. However, higher-quality shingles can stretch that lifespan up to 40 years.
• Wood shingles: With proper maintenance, wood shingles can last around 25 to 30 years, but they may need more frequent repairs in humid or wildfire-prone areas.
• Metal roofing: Known for their durability, metal roofs can last 40 to 70 years. They’re more resistant to weather damage, making them a great option for longevity.
• Clay or concrete tiles: These materials are built to last, often lasting 50 years or more. They’re particularly popular in warmer climates, where their heat resistance comes in handy.
• Slate roofing: This is one of the longest-lasting roofing materials, with a lifespan of 75 to 100 years or more. While it’s an investment upfront, its longevity can make it a worthwhile option.

2. Visible Roof Damage

Spotting visible damage on your roof is one of the clearest signs that it might be time for a replacement.

Common Types of Roof Damage

When you inspect your roof, here’s what you should be looking for:

• Cracks and splits: Over time, roofing materials can develop cracks or splits, especially after severe weather events. These gaps can allow water to seep in, leading to leaks and water damage inside your home. If you notice cracks spreading across your shingles or tiles, your roof’s integrity might be compromised.
• Missing shingles: Missing shingles are a glaring sign of roof damage. Without full coverage, your roof becomes vulnerable to water infiltration, which can cause severe structural damage over time. Whether it’s due to wind, heavy rain, or simply the age of the roof, replacing missing shingles promptly is crucial to maintaining the roof’s effectiveness.
• Granule loss: Asphalt shingles are coated with granules that protect them from the sun’s rays and harsh weather conditions. Over time, these granules can wear off, often ending up in your gutters. If you notice a buildup of granules or if your shingles appear bare or discolored, it’s a sign that your roof may be nearing the end of its lifespan.

3. Frequent Leaks and Water Stains

If you’re noticing leaks and water stains, your roof could have an underlying issue.

How to Tell If You Need a New Roof

Here are some signs to look out for to determine if you need a new roof:

• Persistent leaks: If you’re dealing with the same leak over and over again, it might be time to look beyond quick fixes. A roof that continues to spring leaks after repairs could be signaling that it’s reaching the end of its life. Instead of patching it up repeatedly, it might be more practical — and cost-effective — to consider a new roof.
• Water stains: Stains usually mean that water is getting in where it shouldn’t, and it’s often due to a problem with your roof. While a single stain might just mean a minor issue, multiple or recurring stains strongly indicate that your roof is struggling to keep the water out.
• Mold and mildew: Along with leaks and stains, mold or mildew can also start to appear when your roof isn’t doing its job. This not only looks unappealing, but it is also a health hazard, as mold can affect indoor air quality. If you notice a musty smell or see mold spots, it’s important to check your roof for any underlying issues.

4. Curling or Buckling Shingles

Wear and tear on your shingles isn’t something you want to ignore. But how do you know when it’s time to replace them?

When to Replace Roof Shingles

If you notice your shingles curling at the edges, it’s a sign they’re no longer lying flat against the roof. Curling can happen due to age, moisture buildup, or poor ventilation. When shingles curl, they expose your roof to potential leaks and wind damage, which can quickly lead to bigger problems.

You also need to consider buckling, which occurs when shingles start to warp or lift in the middle, creating an uneven surface on your roof. This often happens when shingles absorb moisture or aren’t installed properly. Buckling shingles can catch the wind easily, making them more likely to tear off during a storm.

And while we’ve mentioned granule loss before, it’s worth noting again because when your shingles lose their protective granules, they become more susceptible to damage from the sun and weather. Granules are what help your shingles last, so if you see bare spots or find granules in your gutters, it’s a sign that your shingles are deteriorating.

5. Visible Moss or Algae Growth

Moss and algae might give your roof a bit of a rustic, green look, but they’re actually a sign that something could be wrong.

When to Replace a Roof

While these growths might seem harmless, they can cause real damage to your roof over time. Both moss and algae hold moisture against your roof’s surface, which can lead to a variety of issues. The extra moisture can accelerate the wear and tear on your shingles, making them more prone to damage. In some cases, the growths can even penetrate the shingles and start affecting your roof’s structural integrity.

If you spot moss or algae on your roof, address the issue sooner rather than later. While you can remove small patches yourself, larger infestations may require professional help. If the growth has caused severe damage, it might be time to think about replacing your roof to ensure your home stays protected from the elements.

Does Homeowners Insurance Cover a Roof Replacement?

Homeowners insurance typically includes dwelling coverage, which protects the structure of your home, including the roof. Here’s how it generally works:

• Fire: If a fire damages your roof, whether it’s a small kitchen fire that spreads or a wildfire, your homeowners insurance will usually cover the cost of repairs or a full replacement.
• Hail: Hailstorms can be particularly tough on roofs, causing dents, cracks, and even punctures. Most homeowners insurance policies will cover roof damage from hail, especially if it’s severe enough to warrant a replacement.
• Heavy winds: Strong winds can lift, tear, or completely remove shingles from your roof. If wind damage occurs, your insurance will typically cover the repairs needed to restore your roof to its former condition.
• Falling objects: If a tree limb or other debris falls on your roof and causes damage, your insurance will usually help pay for the repairs or replacement.

However, not all causes of roof damage are covered. For instance, if your roof is simply old and worn out, or if the damage is due to neglect or lack of maintenance, your insurance may not cover the replacement. Additionally, if you live in an area prone to floods or earthquakes, you might need additional coverage for those specific events.

Conclusion

Your roof is one of the most important parts of your home, and knowing when it’s time for a replacement can save you from costly repairs down the road.

If you’re concerned about the costs of maintaining or replacing your roof, it’s worth reviewing your home insurance policy to ensure you’re covered for the unexpected. And while you’re at it, why not explore options for cheap homeowners insurance that still provides the protection you need?

At Mercury, we offer competitive rates and comprehensive coverage to help you protect your home without breaking the bank.

Contact us today for a fast, free quote!