Get matched with top roofers in Montebello, NY

A roof replacement can take anywhere from one to 14 days. For most homes, a full replacement that includes tearing off old materials takes about one to two days, though the average project can last up to 12 days. The exact timeline depends on several factors, including the roof's size and complexity, the type of roofing material, the crew size, and weather conditions. Certain materials take longer to install; for example, metal roofs can take seven to 14 days because the material is more difficult to work with than asphalt shingles, wood, or tile. A re-roofing project, where new shingles are installed over old ones, can take half the time or less. It's also important to factor in the time needed to obtain necessary permits. A professional roofing contractor will typically complete the job faster than a DIY approach.

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.

A metal roof can last anywhere from 15 to over 100 years, with an average of 50 years, depending on the material, installation, and environment. The specific metal is a key factor: aluminum roofs may last 20 to 45 years, while steel can last 30 to 60 years. Tin can last for up to 75 years, and more durable options like zinc, stainless steel, and copper can last from 80 to over 100 years. Factors that can shorten a metal roof's lifespan include living in a coastal region with corrosive salt air, improper installation (such as laying over old shingles), and failing to inspect and replace fasteners, which may wear out before the panels.

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.