If your roof is 20 years old or so, you’ve probably noticed missing shingles, lots of granules in your gutters, or cracks and bubbling in your flat roof. These are all signs that your roof is deteriorating and you need to replace it.

There’s no simple answer here. The cost to replace your roof depends on several factors, including:

• The size and type of your roof (flat, pitched)
• Roof style complexity
• The roofing materials used (roll roofing, asphalt shingles, etc.)
• If there is underlying damage such as rotted wood
• If there are multiple layers of roofing material to remove

Ballpark figure: Somewhere between $5,433 and $11,209, according to Forbes.

That depends. If your roof was severely damaged by hail, high winds, or heavy snowfall, your policy might cover roof replacement or roof repair, depending on the damage. But if you have an old roof that starts leaking, your insurance likely won’t cover anything except the damage caused to your belongings inside your home. If you do have an insurance claim, we can work directly with your insurance company.

While roof replacement can be a significant expense, we may be able to assist you with financing. You could also consider a home equity loan.

Decades. Probably longer than you will live in your home. A flat roof installed today will last 25-30 years. A shingle roof will last between 24-50 years, depending on the shingles