If a storm has damaged your roof, you’re likely wondering whether a simple repair will do the trick or if a full replacement is necessary. In Florida, where storms are common, almost every homeowner will face this dilemma at some point. To help you make the best decision for your home, let’s break down the key factors to consider.
Recognizing Storm Damage
Storm damage doesn’t always appear severe. The most common signs include missing or creased shingles, shingles with granule loss (which can indicate hail damage), cracked or broken tiles, and bent or dented metal roofing components. While hurricanes and tropical storms can cause major damage, such as fallen debris puncturing a roof, most storm-related damage appears relatively minor at first glance.
But here’s the real question: If your roof only has a few damaged shingles, should you opt for a quick repair, or is replacement the better long-term solution? Many homeowners assume a small repair is the best option, but that’s not always the case.
The Pros and Cons of Repairs
There are definite advantages to choosing a repair over a full replacement. Repairs are generally faster, often taking just a few hours, whereas a full roof replacement can take a few days. Additionally, while roof replacements are usually scheduled months in advance, repairs can often be completed within a week or two.
Cost is another major advantage—repairs are significantly cheaper than replacements. However, cost alone shouldn’t be the deciding factor, especially if your roof is reaching the end of its lifespan.
When Replacement Makes More Sense
If your roof is 15-20 years old, a simple repair might not be the best solution. Older shingles become brittle over time, making them prone to cracking when handled. This means that even a small repair can lead to further damage as nearby shingles break during the process. Because of this, most roofing contractors do not offer warranties on repairs, as they cannot guarantee long-lasting results.
Another downside to repairs on older roofs is aesthetics. Over time, roofing materials fade due to sun exposure and weather conditions, making it nearly impossible to match new shingles or tiles to the existing ones. This can leave your roof looking patchy and uneven.
The Insurance Advantage
One major factor to consider is that storm damage is typically covered by homeowners’ insurance. If you notice damage, your first step should be filing a claim—before getting any repairs done—so the damage can be properly documented.
While insurance companies may sometimes only approve a minor repair, Florida law (Statute 626.9744) requires them to replace damaged materials with ones of matching color and quality. If your current roofing materials are no longer available or cannot be matched, the law mandates that the insurance company must cover the cost of replacing the entire roof. This means that, depending on your policy, a full roof replacement could cost you no more out-of-pocket than a minor repair—the amount of your deductible.
Get Expert Advice Today
If you’re unsure whether your roof needs a repair or replacement, we’re here to help. Florida’s Best Roofing, Inc. is a fully licensed (CCC 1325974) and insured local contractor with decades of experience. Serving homeowners in Palm Coast, Flagler, and Volusia, we provide free inspections and estimates to help you make an informed decision.
📞 Call us today at (386) 263-7906 or visit www.floridasbestroofing.us to schedule your free estimate!
