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The most obvious and severe sign of a roof leak is the presence of wet spots on your ceilings, specifically on the top floor of your home. You can also identify a roof leak from your attic if you see sagging insulation or if you notice mold growth or water stains on the rafters or the underside of the roof deck. From the street, look for cracked or missing shingles, moss growth, and shingles that are curling upward, all of which can suggest a leak.

Many insurance policies will not cover a roof with two layers of shingles. An additional layer of shingles increases the risk of various kinds of damage, and insurers typically won’t pay claims on a roof with an overlay. Adding a layer of shingles may even jeopardize your insurance coverage entirely, so check your policy to ensure you stay within coverage guidelines. 

A new roof will last anywhere from 15 to 150 years, depending on the type of roof you install. Asphalt shingle roofs have the shortest lifespan of 15 to 30 years. Metal roofs usually last for 30 to 60 years, but some materials can fall outside of that range. Clay and concrete roofs can last for 50 to 100 years, and slate roofs have the longest lifespan of 60 to 150 years.

There should be small gaps between your roof and the walls of your home, and other buildings. These small gaps let building materials shift, expand, and contract with weather and other outside forces, and they prevent moisture from wicking down walls from roofing and gutter systems. Without these strategic gaps, your home’s exterior and its finishes can sustain water damage, decay, peel, delaminate, and crack. However, there is a fine line between a smart gap and a problematic gap—all  gaps should be small, intentional, and covered or filled in with foam insulation to prevent pests from using them as access points.