Repair vs. Replace Your Roof in Denver — How to Decide
After a hail storm or when your roof starts leaking, Denver homeowners face a critical decision: repair or replace? The wrong choice costs thousands. Here's how to make the right call.
Find Roofing Contractors in DenverKey Takeaways
- 1If repair cost exceeds 50% of replacement cost, replace
- 2Roofs over 15–20 years old in Denver usually warrant replacement over repair
- 3Hail damage covering 25%+ of the roof typically justifies replacement
- 4File an insurance claim before deciding — Denver hail damage is often covered
- 5Get an independent roofer inspection before accepting an insurance adjuster's assessment
The 50% Rule
The industry standard: if repair cost exceeds 50% of full replacement cost, replace the roof. For a Denver home where replacement costs $12,000–$15,000, repairs over $6,000–$7,500 typically justify replacement. But age and damage type matter just as much.
Age-Based Decision Framework
Under 10 years: Repair almost always makes sense unless damage is catastrophic.
10–15 years: Evaluate carefully. Isolated storm damage may still justify repair. Widespread wear warrants replacement.
Over 15–20 years: Replacement is usually the right call. You're near end of life for asphalt shingles in Denver's climate.
Over 25 years: Replace. Full stop.
Types of Damage: Repair vs. Replace
Repair is appropriate for: isolated storm damage, a few missing shingles, minor flashing issues, a single leak from one penetration.
Replace when: hail damage covers 25–30%+ of the roof, granule loss is widespread, multiple leaks in different areas, sagging or structural damage.
The Insurance Factor in Denver
Denver's hail frequency means many replacements are insurance-funded. File a claim before deciding repair vs. replace — the insurer's assessment may change the economics entirely. Get your own independent inspection before accepting an insurance adjuster's assessment.
Frequently Asked Questions
How much does a roof repair cost in Denver?
Minor repairs run $300–$1,500. More significant repairs covering larger areas run $1,500–$5,000.
Can I repair just part of my roof in Denver?
Yes, but matching existing shingles can be difficult if your roof is more than a few years old — colors fade and product lines change.
How do I know if my roof has hail damage?
Look for dents on metal components, bruising or granule loss on shingles, and cracked or missing shingles. A free inspection from a licensed Denver roofer is the most reliable assessment.
Will my insurance cover roof replacement in Denver?
If damage is from a covered peril (hail, wind), yes — minus your deductible.
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