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The amount of hail damage that warrants a roof replacement depends on the size of the hail. In many cases, a roof replacement is needed if your roof gets hail that is 1 inch or larger in diameter. You may also need to replace a roof due to hail damage if you notice several dents in the shingles or there are seven to 10 hail impact marks within a 10x10 foot area on your roof.

The lifespan of asphalt shingles is typically between 15 and 30 years, depending on the type of shingle and other factors. Standard 3-tab shingles have the shortest lifespan, around 10 to 15 years. Architectural shingles last longer, averaging 20 to 25 years. Luxury or designer asphalt shingles are the most durable, with a lifespan of 40 years or more. Climate, installation quality, and regular maintenance also play a significant role in how long your shingles will last. Signs that they need replacement include granule loss, bald spots, and roof leaks.

While spotting a bit of algae on your roof may not bother you at first glance, it is certainly bothering your roof shingles. The presence of algae can cause decay and shorten the lifespan of your roof’s shingles, which can lead to much bigger problems down the road. While this issue may seem cosmetic at first glance, it goes much deeper than that.

Homeowners insurance may cover the cost to tarp a roof if the type of damage falls within your coverage. For example, roof damage caused by a natural disaster may fall within your plan, and the cost of a temporary tarp may be incorporated. In general, however, simply tarping your roof for renovations will often not fall under insurance coverage.