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Roof Repair Budget Calculator
Small roof repairs ($200-$1,500) extend life years. But past a threshold — usually 20%+ of the roof area damaged or the roof is 80%+ into its useful life — full replacement becomes more economical. This calculator runs the decision.
Recommendation
Repair
Repair cost
$2,400
Full replacement cost
$16,000
Cost per year (repair spread over remaining life)
$185
Cost per year (replace over full new life)
$640
How the math works
2,000 sqft roof, 12 years old with 10% damage: $2,400 repair buys 13 years = $185/yr. $16,000 replacement over 25 years = $640/yr. Repair wins at 10% damage.
At 30%+ damage with an aging roof, the math flips. Always compare both options; don't default to 'cheaper upfront' when lifetime cost reveals replacement wins.
How to Use
- Enter roof age, estimated life, and area affected by damage.
- See repair cost vs prorated cost of full replacement.
Frequently Asked Questions
When is repair cheaper?
Roof under 10 years old AND damage under 20% of roof AND no widespread issues (leaks elsewhere). Repair buys remaining life at fraction of replace cost.
When does replace win?
Roof 15+ years old (close to life end) OR damage >20% of area OR multiple repair attempts in past 3 years OR insurance company won't keep writing coverage.
What's a typical roof life?
Asphalt 3-tab: 15-20 years. Architectural asphalt: 25-30. Metal: 40-60. Tile: 50+. Environment matters — UV-heavy areas shorten life; coastal salt environments cut asphalt 30%.
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