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If you think your roof needs work, but it's not yet 20-25 years old, you may be able to get away with repairs or partial replacement, rather than a full replacement. A roof installed over an existing layer of shingles should be replaced after 20 years.
The most obvious signs that you need an immediate inspection – and that substantial parts of your roof may need to be replaced – include:
Additional signs that your roof should be inspected soon include:
First, check to see if you have paperwork on the installation date, and also, if you have a warranty. Then, contact the original installer or a licensed roofing contractor to get a professional opinion.
Most professional roofers, contractors and roofing companies will be able to install any type of roof, advise on roof options, and provide a free estimate. Roofers with less experience may not be able to work with all roof types, and may not carry proper insurance. Fully licensed roofing contractors should be able to provide you with proof of insurance, and a legitimate warranty.
Here are some definitions and options:
Fill out the form on this page to begin your search for a qualified provider. Be sure to get several bids, and ask questions about licenses, experience, references, and warranties.
Only if it’s the result of something you cannot control or prevent, such as acts of nature, extreme weather, vandalism, or fire. Even then, if your roof hasn’t been properly maintained, or is over 10 years old, you may be reimbursed only for the depreciated value. If your roof is 20+ years old, you might only be partially reimbursed, or your claim may be denied entirely because you are past the average life span. Two layers of roofing material may also put your claim at risk.
What’s typically covered:
hurricanes and tornadoes,
hail, rain, and wind damage (but you might need to pay a separate deductible),
damage caused by the weight of heavy snow and ice storms,
damage covered by hurricane-force winds.
What is partially covered:
damage caused by a leak, excluding the roof repair costs.
What you’ll need additional coverage for:
earthquake, flood, surface water, or mudslide.
Speak with your insurance provider about your policy to determine exactly what is covered and what isn’t.
Professional roofers have the advantage of expertise and experience, which enables them to work fast and do a professional job. Roofing pros also:
know how to spot damage and problem areas that the average homeowner might miss,
have in-depth knowledge of the best materials for your specific needs,
can hire subcontractors if needed,
have the right tools for the job,
can obtain (or help you obtain) local permits, and,
offer warranties.
Also keep in mind that when a roof is not installed by a professional roofing contractor, roofing material manufacturers will not guarantee their materials because a botched installation may lead to costly damages.
With all that said, if you are comfortable working up on a roof, know what you're doing, don't care about guarantees and warranties, can pull all the necessary permits, and are willing to take on a big, lengthy construction project, you can consider installing your own roof.
Depending of course on your credit and history, yes. Some roofing contractors offer financing for those with little home equity, or less than ideal credit.
There are also standard financing options to choose from:
Finding the best deal will depend on your budget, credit, income, and personal preferences.