Property · Roof

Roof Repair vs Replacement Calculator

Compare age, damage, leak history, sale horizon, and insurance pressure before replacing the whole roof or accepting a patch.

Plain English

Should I patch the roof or replace it?

This compares roof age, leak history, damage, sale timing, and insurance pressure.

Start here: If water is coming in now, handle the leak and photos first. Then use the calculator.

Patch: A smaller repair meant to buy time.

Replace: A new roof system instead of a small fix.

Claim: A request to your insurer. Kefiw does not decide coverage.

Sale horizon: How soon you may sell the home.

Active leak? Do this first.

If water is entering the home now, the repair-vs-replace decision is step two. Step one is preventing more damage, documenting the leak path, protecting contents, and checking whether drywall, insulation, flooring, or electrical areas are affected.

Next path: First 24 Hours After Water Damage → Water Damage Cost Calculator → Claim or Pay Cash Calculator.

Tell us about the roof

Roof material

Roof age (years) · expected life 25–30

Approximate share of roof showing damage (%)

Eyeball estimate. 10% = a few patches; 30% = one full slope.

Leak history

Cause of current damage

Years until you sell (0 = not selling)

Insurance claim is plausible (deductible < replacement cost)

Recommendation

REPLACE

Why

Damage is contained to ~10% of the roof — patch repair is cost-effective.
Recent storm damage may change the repair-vs-replace math. Document the evidence, compare deductible size and policy terms, and decide whether the likely scope is large enough to discuss with the carrier or agent.

Cautions

Roof is at 65% of expected lifespan — borderline. Insurance scope or planned sale tips this either way.
Past leaks raise the chance of hidden decking damage — get a tear-off estimate even if you decide to repair.
If you'll own this 5+ years and the roof is past 60% of life, a replace now buys decades of peace; a repair just defers it.

→ Roof Replacement Cost Calculator

Price the replacement scope.

→ Roof Square Footage Calculator

If you don't know the surface area yet.

This is an opinion, not an inspection. A roofer on the roof — or an adjuster after a storm — sees things this calculator can't. Use the verdict to decide which call to make first.