01 — Your Home & Roof
Larger homes have more roof surface area — replacement and repair costs scale accordingly.
The most common roof type in Central Texas. Avg. lifespan: 20–25 years. Highly susceptible to hail damage.
Mid-life for most asphalt shingle roofs. Worth monitoring, especially after storm season.
No repairs — your roof appears to be holding up well.
$
If a roofer has quoted you a repair or replacement, enter it here. Otherwise leave as 0.
Roofs that are never inspected accumulate undetected damage that compounds quietly — especially after hail seasons.
02 — Condition & Damage Signals
Missing, cracked, or curling shingles visible?Visible surface damage is direct evidence of compromised protection
Any interior water stains, wet spots, or active leaks?Interior penetration — the most urgent roofing signal. Interior remediation averages $2,500–$7,500
Storm damage in the last 2 years? (hail, high winds)Central Texas hail corridor — storm damage is common and often undiscovered without a professional inspection
Est. Risk Exposure
$0
if left unaddressed
Recommendation
—
based on your inputs
Est. Interior Damage Risk
$0
avoided with timely action
Step 1 — Cost of an Actively Leaking Roof (Annual)
When a roof is not keeping water out, every rain event causes further interior damage. We apply a conservative floor estimate of $900/year — approximately $75/month — to account for emergency tarping, temporary repairs, and the compounding cost of delayed action. This does not include interior remediation costs, which are calculated separately in Step 4.
Operating Cost = $75/month × 12 = $900/year (applied only when roof is not keeping home dry)
Step 2 — Age & Material Degradation Risk
Roofs degrade at different rates based on material and age. Asphalt shingles are most vulnerable to hail and UV exposure. We apply an age multiplier and material factor to estimate cumulative exposure risk, scaled by home size.
Degradation Risk = baseRisk × ageMult × typeMult × sizeMult × maintFactor
Step 3 — Repair Cost History
Each significant roof repair (patch, flashing, leak fix) averages $650 — a conservative estimate for professional roofing service calls. Adjusted upward based on maintenance history and roof type, since tile repairs cost more than shingle.
Repair Cost = Repairs × $650 × maintFactor × typeMult
Step 4 — Interior Damage Risk from Performance Signals
Each warning signal you flagged carries a real interior damage cost. A single undetected roof leak averages $2,500–$7,500 in drywall, insulation, and mold remediation before it's caught. Visible shingle damage, interior stains, and storm history each carry weighted risk figures.
Signal Risk = (sig1 ? $800 : 0) + (sig2 ? $3,500 : 0) + (sig3 ? $1,200 : 0)
Step 5 — The Replacement Threshold ($10,000)
Industry standard used by professional roofers: multiply your roof age (in years) by any repair quote. If the result exceeds $10,000, full replacement is almost always the more financially sound decision — especially on aging asphalt shingle roofs in Central Texas where hail damage accelerates degradation.
Replacement Threshold = Roof Age (years) × Repair Quote
Example: 20 years × $600 quote = $12,000 → Exceeds $10,000 → Replace
📌 Interior damage remediation averages from IICRC water damage restoration data and HomeAdvisor 2026 reports. Roof repair cost averages from Angi and licensed roofing contractors in Central Texas. Material lifespan data from NRCA (National Roofing Contractors Association). All figures are estimates — actual results vary by material, storm history, and attic ventilation conditions.
Your Full Cost & Risk Breakdown
Heads up: These are estimates based on industry averages and your inputs — not guaranteed outcomes or quotes. Actual costs vary based on roof pitch, material, local labor rates, and extent of damage. If you indicated possible insurance coverage, your actual out-of-pocket cost may be significantly lower. This tool is designed to help you understand the risk, not promise a specific dollar figure.
The Replacement Threshold
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