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Homeowners insurance does not usually cover roof soft spot repair. Since this damage is usually caused by wear and tear and often found on aging roofs, your insurance claim will likely be rejected. If a soft spot develops due to damage from a storm, repairs may be covered, but in general, expect to pay out of pocket for soft spot repairs.

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.

Tar and gravel roofs last an average of 30 years, which is longer than the average lifespan of many other flat roofs. The gravel on top of the waterproof membrane helps protect the roof from UV damage and physical damage, so if you keep your roof drains clear and carry out annual roof inspections to catch issues early, you could see up to 40 years of useful life from your roof.

You should avoid choosing a metal roof if your home has a weak structural support system, as metal roofs can be heavier than roofs made of other materials. If you're in a region prone to frequent hailstorms or high winds, you also need to be aware that denting may occur.