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Roofing questions, answered by experts

Underlayment exists under your tile roof. It helps protect your home by acting as a secondary water barrier. Often, when roof tiles fall off, underlayment that's in good condition can temporarily keep water from getting into the home. However, immediate replacement of missing tiles is crucial to avoid additional roof damage. 

The most common roof pitch is 4:12, which means a rise of 4 inches for every 12 inches of horizontal run. However, roof pitch varies widely based on roof design, climate, and even the roofing materials you plan to install. Your building type also plays a role, as flat roofs are common on commercial buildings and some modern homes.

Most traditional lenders will not loan against a house with a leaking roof, and some lenders won’t lend against a home with a roof near the end of its lifespan. If the roof on your new home is in poor condition, you may need to have the seller offer a credit for a roof replacement after closing, or you can opt for a renovation loan—also called a 203k loan—to bundle the house and the roof replacement into one loan.

If you’re choosing between a roof overlay and a tear-off, opt for a tear-off and full roof replacement instead of a roof overlay if possible. The cost savings from an overlay can easily be eclipsed by repair costs, the effects of structural damage from the additional weight, and needing to replace your roof sooner than expected. A full replacement will last longer and is less likely to need damage repaired over time.

Flapping shingles, or shingles that are lifting or curling away from your roof, can be glued back into place using roofing cement or sealant. Apply the glue underneath the shingle, then press it down firmly. You can leave a brick on top of the shingle to hold it in place overnight while the sealant dries.