A solid roof over your head, done right the first time.

It usually comes down to the roof's age and how widespread the damage is. A few missing shingles, a leaking vent boot or loose flashing can typically be repaired. Widespread granule loss, curling or cracked shingles across many slopes, soft or sagging decking, or repeated leaks in different spots often mean replacement is the better long-term value. A hands-on inspection is the only reliable way to tell.

Most asphalt shingle roofs last roughly 15 to 30 years. Architectural shingles generally outlast older 3-tab shingles, and lifespan depends heavily on attic ventilation, installation quality, and weather. In areas with frequent hail and strong wind, like northeast Oklahoma, roofs can wear out sooner than the manufacturer's rating.

Many homeowners policies cover sudden storm damage such as hail or wind, but coverage, deductibles and claim deadlines vary by policy. Normal wear and tear is usually not covered. Check your policy or call your insurance agent, and document the damage with dated photos as soon as it's safe to do so.

For a typical single-family home, a full tear-off and replacement usually takes one to three days. Larger or steeper roofs, replacing damaged decking, and rain delays can add time. Expect noise during work hours and plan to keep cars out of the driveway.

Move furniture and valuables away from the leak, put a bucket under the drip, and if a ceiling is bulging with water, a small hole can relieve the pressure safely. Don't climb onto a wet or storm-damaged roof yourself. Take photos for your records, then call a roofer to have the area tarped until it can be repaired.