Look for these signs: missing, cracked, or curling shingles, persistent leaks, water damage inside your home, and sagging areas on the roof. If your roof is over 20 years old or shows extensive wear, it might be time for a replacement. A professional inspection can confirm its condition and ensure minor problems don’t become big ones​​.

Whether your insurance will pay for a new roof depends on your policy and the cause of the damage. Typically, insurance covers damage from unexpected events like storms, hail, or falling debris but not from general wear and tear or neglect. Review your policy for specific coverage details and exclusions. Document any damage and contact your insurer promptly to file a claim. A professional inspection can help provide the necessary documentation to support your claim. Always check with your insurance provider for guidance on coverage​​​​​​.

After a storm, inspect your roof from the ground for visible damage like missing or cracked shingles, debris, and leaks. Check inside for water stains or ceiling leaks. Document all damage with photos. Contact a professional roofer for a detailed inspection to assess the extent of the damage. Report the damage to your insurance company to start a claim. Avoid any repairs until your insurer has evaluated the damage, as unauthorized repairs might affect your claim. Finally, clear debris safely from your property​​​​​​.