Get matched with top roofers in Dayton, NJ

Homeowners insurance typically covers roof repairs or replacement if the damage is caused by a sudden, accidental event or a covered peril, such as a storm, wind, hail, fire, or a falling tree. However, insurance will not cover repairs or replacement for issues stemming from a lack of maintenance, normal wear and tear, or a roof that is simply old and at the end of its lifespan. If a leak or damage occurs due to neglect, you will likely have to pay for repairs out of pocket.

Complete house winterization goes above and beyond the list we created above. In addition to everything listed, full house winterization also includes:

• Performing a home energy audit.

• Preparing your deck and patio for winter.

• Learning how to start a snowblower.

• Replacing smoke detector batteries.

• Installing outlet gaskets.

• Installing storm doors.  

The lifespan of a torch down roof depends on the number of layers installed. A single-ply system typically lasts between 10 and 15 years, while a multi-layer system with two or three layers can last from 15 to 25 years. Although a multi-layer option may be more expensive upfront, it provides a longer service life. Warranties often reflect this, with about 12 years for a one-ply system and 15 years for a two-ply system. For context, this lifespan is shorter than other common roofing materials like wood or asphalt shingles, which typically last 20 to 30 years, with high-quality versions lasting up to 50 years.

Architectural shingles typically last between 20 and 30 years, though most homeowners should plan on replacing them every 20 to 25 years. While some manufacturers offer warranties for 30 to 50 years, especially for extreme weather, achieving such a long lifespan is rare. The actual lifespan can be shorter in areas prone to strong winds, hailstorms, or other extreme weather. It is recommended to replace your roof before it reaches the end of its life to reduce the risk of roof failure, leaks, and costly property damage. Scheduling regular roof inspections will help you determine your roof's remaining life and identify the best timeline for replacement.