The checklist
1) Roof age near or beyond 15-20 years for shingles. 2) Curled, cracked or missing shingles. 3) Granules collecting in gutters. 4) Ceiling stains or musty attic smell. 5) Daylight visible in the attic. 6) A sagging or soft roof deck. 7) Repeated leaks in different places. 8) Failing flashing around chimneys, vents and walls. 9) Slipped or broken tile with ageing underlayment.
What to do next
One or two minor issues can often be repaired. Several together, especially on an older roof, usually point to replacement. A free inspection with photos shows which side of the line you are on. Use the repair-or-replace quiz for a quick read, then book your inspection.
General information, not legal or insurance advice. Confirm requirements with your insurer and local building department.