Signs you need a new roof
Curling shingles, granule loss in gutters, daylight through the attic, and age past 20–25 years for asphalt are red flags.
- Inspect after major storms for missing or lifted shingles
- Check flashing around chimneys and vents
- Attic stains may indicate slow leaks
Roofing materials compared
Architectural asphalt shingles dominate U.S. homes; metal and tile last longer at higher upfront cost.
- Architectural shingles — 25–30 year ratings common
- Metal — durable, energy-reflective options available
- Underlayment and ice-and-water shield matter in cold climates
Siding options
Vinyl is affordable and low maintenance; fiber cement resists fire and pests; wood needs regular upkeep.
- Insulated vinyl can improve R-value
- Fiber cement (Hardie-style) — paintable, long-lasting
- Proper house wrap and flashing prevent moisture traps
Insurance and warranties
Storm damage may be covered; wear and age typically are not. Understand manufacturer vs workmanship warranties.
- Document damage with photos before temporary repairs
- Get multiple insurer-approved estimates if applicable
- Registered installer may be required for full warranty
Hiring a roofer
Use licensed, insured contractors with local references. Avoid large upfront deposits.
- Verify workers' comp and liability certificates dated for this job
- Written scope should name tear-off, disposal, drip edge, flashing, and ventilation
- Cap the deposit and tie the rest of payment to materials on site and completed slopes