That small water stain on the ceiling, the loose shingles you noticed after the last storm—these are more than minor annoyances. They’re often your roof’s way of telling you it’s nearing the end of its life. Ignoring these signs can lead to bigger, more expensive problems like rot and structural damage. Deciding to move forward with a full roof installation is a big step, but it’s a crucial one for protecting your home’s health and integrity. This guide will help you identify the telltale signs that it’s time for a replacement. We’ll also walk you through the entire process, from choosing the right materials for our Bay Area climate to understanding what happens on installation day, so you can address the issue with confidence.
Key Takeaways
- A proper roof installation is a full system replacement: It’s more than just new shingles. The process requires a complete tear-off of old materials, a thorough inspection of the underlying wood deck, and the installation of critical weatherproofing layers to protect your home.
- Hiring the right contractor is your most important decision: Protect your investment by choosing a professional who is licensed, insured, and well-vetted. Always check their credentials, get multiple written estimates, and review the contract and warranties carefully before work begins.
- Simple prep and maintenance make a huge difference: You can ensure a smooth project by clearing the work area and protecting your property beforehand. Afterward, you can extend your roof’s life significantly with simple habits like keeping gutters clean and scheduling annual inspections.
What Is a Roof Installation?
A roof installation is the complete process of removing an old, worn-out roof and replacing it with a new one. Think of it as giving your home a brand-new shield against the elements. It’s a big job that involves much more than just laying down new shingles. The process includes tearing off the old materials, inspecting the underlying wood structure (the deck), making necessary repairs, and then carefully installing all the new components, from underlayment to the final roofing material.
Installing a new roof is a physically demanding project that requires heavy lifting and, of course, working at heights. For most homeowners, it’s not a simple weekend DIY. A professional roofing contractor typically takes several days to a week to complete the job, ensuring every layer is installed correctly for maximum protection and longevity. It’s a critical home improvement project that safeguards your entire house, so getting it right is essential.
A Look at Different Roofing Materials
Choosing the right material is one of the first steps in any roof installation. Your decision will likely come down to your budget, your home’s style, and the Bay Area climate. Asphalt shingles are a popular and cost-effective choice, offering a wide range of colors and styles. For a more durable and modern look, metal roofing is an excellent option that stands up well to the elements. Other materials, like tile or stone-coated steel, provide unique aesthetics and exceptional longevity. Each material has its own set of benefits, so it’s worth exploring all your home remodeling options to find the perfect fit for your home.
Telltale Signs You Need a New Roof
Not sure if it’s time for a replacement? Your roof often gives clear signals when it’s nearing the end of its life. One of the most obvious signs is age. For example, if your asphalt shingle roof is approaching the 20-year mark, it’s time to start planning for a replacement. You should also look for visible damage, like shingles that are cracked, curling at the edges, or missing entirely. These can be signs of wear or even poor installation. After a major storm with high winds or fallen trees, it’s always a good idea to do a visual inspection. And of course, if you see water stains on your ceiling, you have an active leak that needs immediate attention.
The Roof Installation Process, Step-by-Step
A new roof is a major investment, so it’s helpful to understand exactly what the installation process entails. While every project has its unique quirks, professional roofers follow a proven, multi-step process to ensure your new roof is secure, weatherproof, and built to last. From carefully removing the old materials to inspecting the structure underneath, each phase is designed to protect your home.
Think of it less like a single task and more like a well-choreographed project. The process begins with a complete tear-off, followed by a thorough inspection and any necessary repairs to the roof deck. Next comes the critical weatherproofing stage, where underlayment and flashing are installed to create a moisture barrier. Only then are the new shingles or roofing materials laid. The job wraps up with a final inspection and a meticulous cleanup. Understanding these steps will help you know what to expect when you hire a professional roofing contractor for the job.
Step 1: Removing the Old Roof
Before the new roof can go on, the old one has to come off. This first step, known as the “tear-off,” involves removing all the old roofing materials right down to the wooden deck. Your roofing crew will systematically strip away the old shingles, underlayment, and flashing. This is essential because it provides a clean, smooth surface for the new roof and, more importantly, allows for a proper inspection of the underlying structure. Simply layering new shingles over old ones can hide serious problems like rot or soft spots, which is why a complete removal is the standard for a quality installation.
Step 2: Inspecting and Repairing the Deck
With the old roof gone, the wooden roof deck is fully exposed. This is a critical moment in the installation process. The crew will carefully inspect the entire surface for any signs of damage, such as soft, spongy wood from moisture, rot, or other deterioration. Any compromised sections of plywood or OSB sheathing must be cut out and replaced with new material. This step ensures the new roof has a solid, stable foundation to be nailed into, which is absolutely vital for its structural integrity and long-term performance. A new roof is only as good as the deck it sits on.
Step 3: Installing Underlayment and Flashing
Now it’s time to build the roof’s defense system against water. This phase starts with installing a drip edge, a metal strip along the eaves that directs water into the gutters. Next, a layer of underlayment—typically a synthetic or felt material—is rolled out to cover the entire roof deck. This acts as a secondary barrier against moisture. After that, flashing is installed. These pieces of metal are custom-fitted into valleys and around chimneys, vents, and skylights. Flashing is crucial for preventing leaks in the roof’s most vulnerable areas by creating a waterproof seal.
Step 4: Laying the New Roofing Material
This is the step where your new roof really starts to take shape. The crew begins by installing starter shingles along the eaves to ensure a clean, straight line and provide extra protection against wind uplift. From there, they work their way up toward the peak, laying the shingles in overlapping courses. The placement and nailing pattern are incredibly important here; each shingle must be secured with the right number of nails in the correct location to meet manufacturer specifications and ensure proper wind resistance. Finally, a special ridge cap is installed along the peaks and hips of the roof to seal the final seams.
Step 5: Final Inspection and Cleanup
Once the last shingle is in place, the job isn’t quite finished. A project manager or crew leader will conduct a final, thorough inspection of the entire roof, sealing any exposed nail heads and ensuring all flashing and vents are properly secured. Then comes the cleanup. A professional team will treat your property with respect, clearing away all debris, stray materials, and discarded shingles. Many crews use large tarps to protect landscaping and run powerful magnets across your lawn and driveway to pick up any fallen nails. The goal is to leave your property looking as good as—or better than—it did when they arrived.
What Materials and Tools Are Needed for a Roof Installation?
A successful roof installation is about more than just shingles and a hammer. It requires a specific set of materials and tools to ensure the job is done correctly, safely, and built to last. Gathering everything you need before you start is a critical step that professionals never skip. From the primary roofing material to the smallest fasteners and essential safety equipment, each component plays a vital role in creating a durable, weather-resistant roof that protects your home. Let’s walk through the key materials, tools, and safety gear required for a proper roof installation.
Choosing Your Roofing Material
Selecting the right roofing material is one of the most important decisions you’ll make. Your choice should balance your budget, your home’s style, and the local Bay Area climate. While asphalt shingles are a popular and cost-effective option, materials like metal, tile, or slate offer different benefits in terms of longevity and aesthetics. Regardless of the material you choose, the hardware that holds it all together is just as important. Using strong fasteners, like hot-dipped galvanized nails, is crucial for ensuring your roof can withstand the elements for years to come. A professional roofing contractor can help you weigh the pros and cons of each option for your home.
The Right Tools and Safety Gear
When working at heights, safety is the top priority. You can’t cut corners on protective gear. An essential piece of equipment is a fall protection kit, which includes a harness, rope, and hook to keep you secure. Beyond that, practical gear like rubber-soled shoes will give you the best possible grip on the roof’s surface, while knee pads can make the work much more comfortable and protect your joints. Of course, you’ll also need standard tools like a hammer, utility knife, measuring tape, and a chalk line. Having the right tools not only makes the job easier but also contributes to a safer work environment.
Other Essential Components
A roof is a complete system, and several components beyond the main material are necessary for a watertight seal. A drip edge, which is a metal flashing installed along the eaves, is vital for directing water away from your fascia and into the gutters. Another key element is the underlayment. In areas that see significant rain, a self-stick waterproof underlayment, sometimes called an “ice barrier,” is a smart investment. This layer seals tightly around the roofing nails, providing an extra line of defense against water intrusion. These components are fundamental to the full range of services that protect your home’s structure from moisture damage.
How to Stay Safe During a Roof Installation
A new roof is a fantastic investment in your home, but the installation process is a serious undertaking. Safety should always be the top priority, whether you’re considering a DIY project or hiring professionals. The risks involved in roofing are significant, but with the right precautions, they can be managed effectively. From wearing the proper gear to paying close attention to the weather, every detail matters when you’re working high above the ground.
The simplest way to ensure a safe project is to work with an experienced roofing contractor who is trained, licensed, and insured. Professionals follow strict safety protocols and have the right equipment to protect both their team and your property. Even when you hire a pro, it’s helpful to understand what safe practices look like. Let’s walk through the essential safety measures for any roof installation.
Must-Have Personal Protective Equipment (PPE)
Personal protective equipment is your first line of defense. Before starting any work, make sure you have the right gear. A fall protection kit, which includes a harness, rope, and hook, is non-negotiable. It’s designed to catch you in case of a slip. Your footwear is also critical; always wear sturdy, rubber-soled shoes that provide excellent traction on sloped and shingled surfaces. To protect your hands from sharp materials and rough surfaces, a good pair of work gloves is essential. And for added comfort and joint protection, knee pads can make a huge difference.
Why Weather and Timing Matter
The weather plays a huge role in the safety and success of a roof installation. The ideal conditions are a dry, calm day with temperatures between 50 and 80 degrees Fahrenheit. Rain is an obvious hazard, as it makes surfaces incredibly slippery and dangerous. Strong winds can also create a serious risk, potentially causing you to lose your balance or sending materials flying off the roof. Extreme heat can lead to exhaustion and can even damage the shingles, while very cold weather can make them brittle and difficult to install correctly. Planning your project for a clear day is a simple but crucial safety step.
Tips for Working at Heights
Proper ladder use is fundamental to staying safe. First, check that your ladder can handle your weight plus the weight of a bundle of shingles. When you place the ladder, make sure it extends at least three feet above the edge of the roof. This gives you something stable to hold onto as you transition from the ladder to the roof and back. To prevent any unexpected movement, securely tie the ladder to the roof edge. And whenever you’re climbing up or down, always maintain three points of contact—that means two hands and one foot, or two feet and one hand, on the ladder at all times.
How Much Does a New Roof Cost and How Long Does It Take?
Two of the biggest questions homeowners have when facing a roof replacement are about cost and time. You need to know what to budget and how long your home will be a work zone. While every project is unique, we can give you a clear idea of what to expect for a typical roof installation. Understanding the key factors that influence price and timelines will help you plan with confidence and make informed decisions for your home.
What Determines the Final Cost?
The average cost to replace a roof is about $8,000, with most homeowners spending between $5,500 and $11,000. This price tag is a combination of two main things: labor and materials. Labor typically makes up about 60% of the total cost, covering the skilled team doing the work. The other 40% goes toward materials, which can range from $100 to over $1,000 per 100 square feet. The material you choose is the biggest variable—asphalt shingles are cost-effective, while premium options like metal can push the total cost up to $46,000 or more. A professional roofing contractor can provide a detailed estimate based on your home’s size and your chosen materials.
Understanding the Project Timeline
You might be surprised to learn that a full roof replacement is often a quick process. For an average-sized roof of 3,000 square feet or less, the entire job can usually be completed in just two days. The first day is dedicated to carefully removing the old roofing materials and preparing the surface. On the second day, the new roof is installed. Of course, some factors can extend this timeline. Unexpected repairs to the underlying structure, bad weather, or delays in material delivery can stretch the project to five days or, in some cases, a few weeks. Your contractor will keep you informed every step of the way to minimize disruption.
Budgeting for Unexpected Expenses
When planning your budget, it’s wise to think beyond the initial quote. Investing more upfront for high-quality materials and expert installation will pay off in the long run. A well-built roof is more durable, energy-efficient, and less likely to need frequent repairs, saving you money over time. It’s also important to account for items that might not be on your radar, like building permits. Some homeowners mistakenly assume permits aren’t needed for a roof replacement, but they are often required by local regulations. Factoring in these potential costs from the start helps ensure your project stays on track and your investment is protected. Working with a team that manages all home improvement services can simplify this process.
When Is the Best Time of Year for a Roof Installation?
Timing your roof installation can make a huge difference in how smoothly the project goes, especially here in the Bay Area. Choosing the right season helps ensure the materials install correctly and that your project stays on schedule. While a new roof can be installed any time of year if necessary, certain seasons offer more favorable conditions for the crew and the materials. Planning your project during these optimal windows helps prevent delays and ensures the highest quality result for your home.
The Best Seasons for Roofing in the Bay Area
For homeowners in Concord and San Francisco, the sweet spots for roof installation are typically spring and fall. During these seasons, the weather is usually mild and dry, creating the perfect environment for roofing work. The moderate temperatures help the shingles seal properly without becoming too brittle from cold or too soft from intense heat. Summer is also a popular option due to the long, dry days. However, a major heatwave can make the work more challenging for the crew and affect how some materials cure. Winter is generally the least ideal time because of the higher chance of rain, which can cause significant delays and create unsafe working conditions.
Ideal Weather for a Successful Installation
Beyond picking the right season, the specific weather on installation day is critical. The best conditions for roofing are dry days when it’s not too windy, and temperatures are between 50 and 80 degrees Fahrenheit. This temperature range is crucial for asphalt shingles, as it allows their adhesive strips to activate and create a watertight seal. If it’s too cold, the shingles can become brittle and crack during installation. Most residential roof replacements take one to three days, but bad weather can stretch that timeline out significantly. Working with an experienced roofing contractor who understands local weather patterns is the best way to schedule your project for success.
DIY vs. Hiring a Pro: What’s Right for You?
The satisfaction of completing a home project yourself is undeniable. But when it comes to replacing your roof, the stakes are incredibly high. A well-installed roof protects your entire home, while a poorly done job can lead to leaks, structural damage, and costly repairs down the line. Before you pull out the ladder, it’s important to weigh the realities of a DIY roof installation against the benefits of hiring a professional. The decision comes down to your experience, the complexity of your roof, and your understanding of local regulations. Let’s break down what you need to consider.
The Expertise Required for a DIY Job
First, be honest about your skill set. Replacing a roof is widely considered an intermediate-level project that can take anywhere from a few days to a full week of hard labor. It’s not just about nailing down shingles; it involves tearing off old material, inspecting the underlying structure for damage, and ensuring every layer is perfectly weatherproofed. The type of roof you have also matters. A simple, low-pitched roof on a one-story home might be manageable. However, if your roof is steep, high, or has complex features like valleys, dormers, or skylights, the job becomes significantly more difficult and dangerous. These features require precise flashing and sealing techniques that professionals spend years perfecting.
Handling Permits and Local Building Codes
One of the biggest hurdles for any DIYer is the paperwork. Many homeowners assume they don’t need a permit for a roof replacement, but that’s rarely the case, especially in the Bay Area. Most cities, including Concord and San Francisco, require a building permit to ensure the work meets safety standards and local building codes. These codes dictate everything from the type of materials you can use to how they must be installed. Failing to get a permit can result in fines, and you may even be forced to tear the new roof off. A professional roofing contractor handles the entire permitting process, ensuring your project is fully compliant from start to finish.
Common Myths About DIY Roofing
Several common myths can lead well-intentioned homeowners into trouble. The biggest one is that DIY is always cheaper. While you save on labor, you’ll have to buy or rent specialized tools, arrange for waste disposal, and purchase materials without a contractor’s discount. If you make a mistake, the cost to fix it can easily exceed what you would have paid a pro. Another myth is that leaks are easy to patch. In reality, tracing a leak to its source is tricky, and an improper repair can trap moisture, leading to rot. Finally, don’t underestimate the safety risks. Professionals have the training and safety equipment to work at heights, making a major renovation like a roof replacement much safer in their hands.
How to Choose the Right Roofing Contractor
Choosing the right roofing contractor is just as important as selecting the right materials for your home. This is the team you’re trusting to protect your biggest investment, so it’s worth taking the time to find a true professional. A great contractor not only ensures the job is done correctly but also makes the entire process feel manageable, handling everything from permits to the final cleanup.
Think of it as hiring a partner for a major home project. You want someone who is experienced, transparent, and reliable. The right team will communicate clearly, respect your property, and stand behind their work with a solid warranty. While it might be tempting to go with the lowest bidder, quality workmanship will save you from costly repairs and headaches down the road. A well-installed roof can last for decades, so finding a skilled and trustworthy contractor is the first step toward a successful installation. Your goal is to find a company that combines technical expertise with excellent customer service, ensuring your new roof is something you can count on for years to come.
Verify Credentials and Insurance
Before you even start discussing estimates, your first step should be to verify a contractor’s credentials. This is non-negotiable. In California, a roofing contractor must have a C-39 license from the Contractors State License Board (CSLB). You can easily check a contractor’s license status online. Also, ask for proof of both general liability insurance and workers’ compensation. Liability insurance protects your home from damage, while workers’ comp covers their crew in case of an accident on your property. Without it, you could be held responsible. Don’t just take their word for it—ask to see the certificates.
Get Multiple Estimates and Check References
It’s always a good idea to get at least three written estimates from different contractors. This allows you to compare not just the price, but the proposed scope of work, materials, and project timeline. Be wary of any bid that is significantly lower than the others, as it could be a red flag for cutting corners. Once you have a few solid options, ask each contractor for a list of recent references—and actually call them. Ask past clients about their experience, the quality of the work, whether the project stayed on budget, and how the company handled communication and cleanup. This is one of the best ways to get an honest picture of what it’s like to work with them.
Understand the Warranty and Contract
Once you’ve settled on a contractor, carefully review the contract and warranty information before signing anything. A professional roofing project should come with two types of warranties: a manufacturer’s warranty that covers the materials themselves and a workmanship warranty from the contractor that covers the installation. Make sure you understand the terms and duration of both. The contract should be detailed and put everything in writing. It needs to clearly outline the full scope of the project, the specific materials being used, a payment schedule, and an estimated start and completion date. It should also specify who is responsible for cleanup and disposal of old materials.
How to Prepare Your Home for a New Roof
A new roof is a major project, but a little preparation can make the entire process run smoothly for you and the installation crew. While your roofing contractor will handle the technical details, taking a few simple steps to get your home ready ensures everything is protected and the team can work efficiently. Think of it as setting the stage for a successful renovation. These preparations are straightforward and will give you peace of mind while the professionals transform the top of your home. From protecting your garden to giving your neighbors a heads-up, here’s what you can do before the crew arrives to make the installation as seamless as possible.
Protect Your Home and Landscaping
The work on your roof can cause vibrations and send dust and debris flying. Start by protecting the items inside your home, especially in the attic or on the top floor. Cover furniture, boxes, and any stored belongings with plastic sheeting or old blankets to keep them clean. It’s also a good idea to take down any pictures, mirrors, or fragile decorations from the walls on the upper level, as the vibrations from hammering could cause them to fall. Outside, focus on your landscaping. Move potted plants, patio furniture, grills, and kids’ toys away from the house to create a clear, safe perimeter for the crew. If you have delicate flower beds or shrubs near the foundation, cover them with tarps to shield them from falling debris.
Clear the Area and Notify Your Neighbors
Your roofing crew will need easy access to your home, so clearing the way is a huge help. Make sure your driveway is empty so they have space for their vehicles and a dumpster for the old roofing materials. You’ll also want to ensure there’s a clear path around the entire house. This allows the team to place ladders securely and move around safely. For the safety of your loved ones, plan to keep pets and small children away from the work zone. A construction site is no place for them to play. A quick chat with your neighbors is also a great idea. Letting them know about the upcoming work, the potential noise, and the temporary dumpster will go a long way in keeping everyone happy.
What to Expect on Installation Day
There’s no way to sugarcoat it: roof installations are loud. You can expect to hear constant banging, scraping, and the sound of power tools throughout the day. If you work from home or have young children who nap, you might want to plan an outing for the day. The timeline for a roof replacement is usually quick. Most average-sized roofs can be completed in just a couple of days—one for tear-off and another for installation. Your contractor will give you a specific schedule. Remember that this is an active construction zone, so for your safety, stay clear of the work area and be mindful of the crew working overhead.
How to Maintain Your New Roof
A new roof is a significant investment in your home’s safety and value, and now that the installation is complete, you can enjoy the peace of mind that comes with it. To make sure that feeling lasts for decades, a little proactive care can make a huge difference in how long your roof lasts and how well it performs. Think of it less as a chore and more as a simple routine to protect your investment. You don’t have to be a roofing expert to keep your roof in top condition. By following a few straightforward practices, you can prevent small issues from turning into costly, stressful repairs down the line.
In the Bay Area, our homes are exposed to a mix of intense sun, seasonal rains, and strong winds, all of which can take a toll over time. Regular maintenance is your best strategy for getting ahead of potential wear and tear. A well-cared-for roof does more than just keep you dry; it protects your home’s entire structure, from the attic insulation to the foundation. Taking a little time each year to check on its condition ensures it can do its job effectively, preserving your home’s integrity and value. The following steps are simple, actionable, and designed to help you get the most out of your beautiful new roof for years to come.
Set Up a Regular Inspection Schedule
Even a brand-new roof benefits from a check-up. It’s a great idea to have your roof inspected by a professional shortly after installation just to confirm every detail is in perfect working order. After that, scheduling an annual inspection with a trusted roofing contractor is one of the smartest things you can do for your home. A professional has a trained eye to spot subtle signs of wear or potential vulnerabilities that are easy to miss from the ground. They can identify and address minor issues, like a loose shingle or compromised flashing, before a winter storm turns them into a serious leak. This simple routine helps ensure your roof’s longevity and gives you invaluable peace of mind.
Simple Tips to Extend Your Roof’s Life
Long-term performance starts with the choices you make during installation, but a few easy habits can significantly extend your roof’s life. One of the most effective things you can do is keep your gutters clean and clear of leaves, pine needles, and other debris. When gutters get clogged, they can cause water to back up and seep under your shingles, potentially leading to rot and water damage. It’s also wise to trim any overhanging tree branches. This prevents them from scraping against the roof surface during windy weather or breaking off and causing impact damage during a storm. These small, consistent actions are your first and best line of defense in preserving your roof’s integrity.
Know the Early Warning Signs of Damage
Catching problems early is the key to avoiding expensive, large-scale damage. You can be your roof’s best advocate by keeping an eye out for telltale signs from the ground. Look for missing or cracked shingles after a storm, or check for an unusual amount of shingle granules washing out of your downspouts. Inside your home, water stains on the ceiling or walls are clear indicators of a leak that needs immediate attention. While it might be tempting to try a quick DIY fix, improper repairs can often make the problem worse. For your safety, it’s best to avoid climbing on the roof yourself. If you spot any of these warning signs, your best move is to call for professional remodeling services to assess the situation and handle it correctly.
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Frequently Asked Questions
Can I just repair my roof instead of getting a whole new one? That’s a great question, and the answer really depends on the situation. If the damage is limited to a small, specific area—like a few shingles that blew off in a storm—a professional repair is often the perfect solution. However, if your roof is nearing the end of its expected lifespan (around 20 years for asphalt shingles) or has widespread issues like curling shingles, extensive granule loss, or multiple leaks, a full replacement is the smarter long-term investment. A replacement addresses the entire roofing system, including the underlayment and decking, which prevents you from having to pay for one repair after another.
Is it really a bad idea to install new shingles over the old ones? Yes, it’s a shortcut you’ll want to avoid. While it might seem like a way to save money, layering new shingles over an old roof is a recipe for problems. It prevents your contractor from inspecting the underlying wood deck for rot or damage, which is a critical step. This added weight can also strain your home’s structure, and the new shingles won’t lay flat, making them more vulnerable to wind damage. A complete tear-off is the only way to ensure your new roof has a solid foundation and will perform correctly for years to come.
What happens if bad weather shows up unexpectedly during the installation? This is a common concern, but any experienced roofing crew has a solid plan for unpredictable weather. Professional roofers watch the forecast closely and will only remove a section of your old roof that they are confident they can replace and make watertight in the same day. If unexpected rain does pop up, they will immediately cover any exposed areas with large, heavy-duty tarps to protect your home from moisture until the weather clears and they can safely resume work.
How can I be sure the new roof will last as long as possible? A long-lasting roof comes down to three key things: quality materials, expert installation, and simple maintenance. Choosing durable materials that are right for our Bay Area climate is the first step. Next, hiring a licensed and insured contractor ensures every component is installed correctly according to manufacturer specifications—this is crucial for performance and for keeping your warranty valid. Finally, a little upkeep, like keeping your gutters clean and trimming overhanging branches, goes a long way in preventing problems before they start.
Will my homeowner’s insurance help pay for a new roof? It’s possible, but it typically depends on the cause of the damage. Most standard homeowner’s insurance policies cover roof replacement if the damage is caused by a sudden event, like a storm, fire, or a fallen tree. However, insurance generally does not cover a replacement that’s needed simply because the roof is old and has reached the end of its natural life. If you believe your roof was damaged by a specific event, your first step should be to document the damage and contact your insurance agent to discuss your policy and the claims process.