The rule: the 25% Rule.
If the repair quote is a quarter or more of what a full roof replacement costs, get replacement quotes — patching a dying roof is money you’ll spend twice. Under a quarter, repair it.
Roofs fail in slow motion, then suddenly. One patched section on an 18-year-old roof usually means another leak next season, and repair bills stack up fast. Asphalt shingles — what most homes have — last about 20 years. Metal, tile, and slate last much longer, so adjust the age line if that’s what you have.
Age is the tiebreaker. A $2,000 repair on a 6-year-old roof is obviously worth it. The same repair on a 19-year-old roof is a down payment on the replacement you’re about to need anyway.
Educational estimate only. Based on YOUR repair quote, full roof replacement cost, and age of your roof in years you enter. Uses 25% Rule: if repair quote is a quarter or more of full replacement cost, get replacement quotes — patching a dying roof is money you will spend twice. Under a quarter, repair it. Age tiebreaker: asphalt shingles last about 20 years, metal / tile / slate last much longer. Active leaks in multiple spots or widespread curling shingles means replace.
Disclaimer: Educational only, not professional advice. Get quotes from licensed, reputable contractors.
Frequently Asked Questions
What is the 25% rule for roofs?
If the repair quote is a quarter or more of what a full roof replacement costs, get replacement quotes — patching a dying roof is money you’ll spend twice. Under a quarter, repair it.
When should I replace instead of repairing?
If repair is over $3,000, the roof is 20+ years old (asphalt), or it leaks in multiple spots — replace it.
How does roof age affect the decision?
A $2,000 repair on a 6-year-old roof is obviously worth it. The same repair on a 19-year-old roof is a down payment on the replacement you’re about to need anyway. Asphalt shingles last about 20 years.
When should I ignore this rule and talk to a professional?
This is educational only, not professional advice — get quotes from licensed, reputable contractors.
Not quite your situation?
Try one of these decisions instead: