The decision tree: repair, replace, or wait.
Cost crossover
When repair costs reach 30–40% of replacement cost, replacement is the better long-term value.
Age threshold
A 20-year-old roof with active leaks is rarely worth repairing — you'll just be back in 6 months.
Damage scope
Storm damage that affects more than 25% of the roof typically warrants replacement.
Insurance approval
If insurance has approved replacement, take it.
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