A well-maintained tile roof can last anywhere from 40 to over 100 years, with its exact lifespan depending on the material and level of care. Proper maintenance, which includes keeping the roof clean, free of debris, and performing routine repairs for any cracked tiles, is crucial for longevity. The lifespan varies significantly by tile type:

• Clay, terracotta, and slate tiles are highly durable and can last over 100 years.

• Concrete tiles typically last from 30 to 100 years.

• Metal tile roofs generally last between 40 and 70 years.

• Composite tile roofs have a lifespan of 20 to 50 years.

Be aware that maintenance for a tile roof can sometimes be more expensive than for an asphalt roof.

Generally, hailstones that are one inch in diameter or larger can cause significant damage to a roof. However, smaller hail can also cause damage, particularly when accompanied by strong winds, if it strikes an aging or poorly maintained roof, or if hailstorms are frequent in your area. Hail that is ¼ inch (pea-sized) or smaller poses a minimal risk of immediate, permanent damage, but cumulative impacts can cause deterioration over time. The extent of the damage also depends on the roofing material; hail-resistant tiles like slate or certain types of asphalt shingles can withstand impacts better than other materials. If you are concerned about potential damage after a storm, it is always a good idea to have a professional roofer conduct an inspection.

You can put new shingles over old shingles, but most municipalities only allow for two layers of shingles before you have to rip off the old roof and start fresh. In some areas, only a single layer of shingles is allowed due to the weight a bundle of shingles adds to your structure. In most cases, it’s a good idea to remove your old shingles before you install new shingles, especially if you suspect that a roof leak may have compromised the decking underneath.

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.