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.
Tell us about the roof
Eyeball estimate. 10% = a few patches; 30% = one full slope.
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.
More about this tool
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.
Plain English: should I patch the roof or replace it?
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.