When homeowners notice their roof aging, many hope it can last “just one more year.”
But waiting too long to replace your roof can lead to much more than a few leaks. Delaying replacement can cause problems with insurance claims and give time for structural damage to take hold, leaving you with not only the cost of a new roof but also thousands in additional home repairs.
As a roofing company, it probably comes as no surprise that we encourage timely roof replacements. But after more than 40 years serving the Grand Strand, we’ve seen what happens when homeowners wait too long…and it often involves far more tradesmen than just roofers.
Here, we’ll go over the signs that it’s time for a new roof, what happens when you wait for a roof replacement, and the cost of pervasive damage caused by an old roof.
So what makes homeowners put off such an important project, even when the warning signs are clear?
Why Do Homeowners Wait to Replace Their Roof?
There are 3 common reasons homeowners delay their roof replacement.
These include:
- The price of a new roof
- The inconvenience of a roof replacement
- Not sure it’s time to replace the roof
Let’s talk about it
How Much Does a New Roof Cost in Myrtle Beach?
The most common reason homeowners delay a roof replacement is because of the price. A new roof will cost anywhere from $9,150 to $13,050. Which isn’t exactly pocket change, but waiting will cost you in the long run as the need for repairs continues to grow. Not only that, but it may make you wonder where your roof falls in that price range. And if you’re interested in the details of roof pricing, check out our pricing page. Here, we break down all costs associated with roof replacements: Linta Roofing Pricing Page
And if you’d like your unique roof price, check out our Instant Estimator. This tool will find your home on the map and give you an estimated price in 60 seconds: Instant Roofing Estimator
As you learn more about roof replacement pricing, it’s helpful to note that there are financing options available to you. Financing allows you to correct issues with your roof immediately, so they don’t become more pervasive problems as time goes on.
To check out your financing options without hitting your credit, see if you qualify here: New Roof Financing
The Inconvenience of a Roof Replacement
We’ve also been told that a big hang up for homeowners is the inconvenience of a roof replacement. A lot of homeowners work from home, have pets who may be afraid of loud noises, or just feel they don’t have the time to vet a roofer. A roof replacement can be a loud, messy event.
If you’re concerned about what will happen on the day of your roof replacement, it’s best to talk with your roofer to see what kind of options they can offer you. And the good news is that a regular roof inspection only lasts about an hour. At this time, you can express any concerns you may have and come up with a plan together.
To schedule a roof inspection, you can book online here: Schedule a Roof Inspection with Linta Roofing
Not Sure It’s Time to Replace the Roof
Whether or not you have missing shingles or leaks, an older roof will need a replacement. The time frame can vary based on the materials you have on your roof.
- 3-Tab Shingles: 10-15 years
- Architectural Shingles: 18-25 years
- Designer Shingles: 20-25 years
- Corrugated Metal: 15-25 years
- Standing Seam Metal: 20-35 years or more
As your roof creeps up to its age limit, it’s important to have a roofer come out and inspect your roof. This will help catch any issues before they get worse. We get a lot of extreme weather in the Myrtle Beach area, getting an expert opinion can only save you time and money in the long run. This is because a roofing issue usually starts as something small and over time grows into a more major problem, potentially requiring other trades to step in to correct damage to your home.
Keeping tabs on the age of your roof and when you can expect to have a roof replacement can help you plan your time and finances accordingly.
To learn more about your roof’s lifespan, check out this article: How Long Does a Roof Last in 2025?
Your roof may also send you signals that it’s time for a roof replacement, regardless of age.
What are the Signs That It’s Time for a New Roof?
There can be obvious signs, like a roof leak, and less noticeable issues like a rusting nail. Knowing what to look for can help you determine if it’s time to have your roof replaced.
What Visible Signs Should You Look For?
- Missing Shingles: If you can see missing shingles from the ground, it’s likely your roof has been damaged by wind. Typically, a shingle that fully detaches from your roof has been flapping in the wind for some time before it finally falls off. Meaning that nails under the shingle have likely been exposed to rain water. This can rust out a nail and leave a hole in your roof.
- Granules in Gutters: If you’re finding lots of tiny granules in your gutters, it’s likely coming from your roof. These granules are designed to protect your shingles so they can perform their best. When granules wear away and the inner parts of your shingles are exposed, your roof can be vulnerable to wind damage.
- Sagging Areas:
If you notice that your roof is pooling water or that your shingles look like they’re drooping, it’s probably not an optical illusion. This can be an issue with your roof decking. Your roof decking is the foundation your roofing materials are attached to. If your materials fail and the decking gets wet, it can appear to sag over time. This can be a pretty serious issue, as your roof deck is the last line of defense between the elements and your attic. - Water stains on Ceilings or Walls: We get the most calls about water stains. While not all staining is caused by roofing issues, it’s a pretty obvious sign there is an issue with your roof. Whether materials were installed incorrectly or your roof is just old, this is a telltale sign that a new roof is in your near future.
What Hidden Signs Indicate Deeper Problems?
Your roof is designed to work in tandem with a number of other elements on your home. The most common problem we see comes with improper ventilation. And there are not always visible signs that improper ventilation is aging your roof, except this:
- High Energy Bills: Ventilation is key, as hot air needs a place to escape or it creates stagnant moisture inside your home. This makes other systems in your home work harder to function. That moisture can do a world of damage, including mold or mildew growth. If you notice this sign, it’s probably time to schedule a roof inspection.
In coastal regions, like the greater Myrtle Beach area, it’s essential to stay on top of any issues you might notice. We get a lot of driving rain and high wind speeds here, and sometimes all it takes is one good storm before you’re stuck with a big bill for home repairs.
What Happens When You Wait Too Long to Replace Your Roof?
When it comes to your roof, issues compound on one another. What’s a rusty nail one day is a stain your ceiling the next. There are a few common issues that happen when you wait too long for a roof replacement.
- Water Damage: Leaks can spread under shingles, saturate decking, and cause interior rot.
- Mold and Mildew: Persistent moisture can impact indoor air quality and insulation.
- Structural Damage: Rotting wood and weakened framing can lead to costly repairs.
- Higher Energy Bills: Failing ventilation and insulation increase heating and cooling costs.
- Insurance Issues: Many policies won’t cover damage caused by neglect or delayed maintenance.
What Happens When You Wait Too Long to Replace Your Roof?
Waiting to replace your roof won’t necessarily raise the cost if you haven’t noticed the problems mentioned above. If your roof is old and you’re being proactive, it’s likely the cost will be fair if you hire a trusted roofer.
On the other hand, the overall price to fix your roofing issue can stem from:
- Multiple Roof Repairs: If you have had a persistent issue with your roof and had multiple repairs (more than two) it’s likely your roof has needed a replacement for some time. Often homeowners cringe at the thought of getting a roof replacement on a heels of multiple roof repairs, but that in and of itself is a sign it’s time for a replacement. When you look at the total cost of repairs and a replacement, it can really add up. We’ve had customers who, prior to calling us, had spent almost the same amount of money on roof repairs as it costs to replace their roof. A trusted roofer should let you know this before any repair work is completed.
- Potential for Rotted Roof Decking: If you have had a roof leak for an extended period of time, it can damage your roof decking. Roof decking can cost $95 per sheet to replace. And if you need multiple sheets of decking replaced, that number can really add up.
It’s also important to note that if you received a roofing estimate a year or so ago, the price will be higher today. This is because manufacturers raise their material prices regularly, sometimes more than twice in a single year. To learn more about shingle price increases, take a look at this article: Will the Cost of Roof Shingles Go Down? | Myrtle Beach 2025
How Much More Does It Cost When You Wait Too Long to Replace Your Roof?
Because insurance companies see older roofs as higher-risk, waiting too long to replace yours can mean higher premiums, reduced payouts on approved claims and ultimately far more out-of-pocket costs for you.
When it comes to your insurance payout, it depends on your policy. There are two types: ACV and RCV. It can be common for insurance companies to switch RCV policies over to ACV once the roof has reached replacement age.
Here’s the difference:
Actual Cash Value (ACV): ACV policies reimburse you for the cost of your roof minus depreciation, which means you only get what your roof is worth today. As a roof ages, the payout shrinks significantly, leaving homeowners responsible for a larger portion of the replacement cost.
Replacement Cost Value (RCV):
RCV policies pay the full cost to replace your roof with a new one of similar kind and quality, without subtracting for age or wear. Homeowners still pay their deductible, but the insurance company covers the remaining cost up to the policy’s limits.
Can Waiting Too Long for a Roof Replacement Affect Your Insurance?
Because insurance companies see older roofs as higher-risk, waiting too long to replace yours can mean higher premiums, reduced payouts on approved claims and ultimately far more out-of-pocket costs for you.
When it comes to your insurance payout, it depends on your policy. There are two types: ACV and RCV. It can be common for insurance companies to switch RCV policies over to ACV once the roof has reached replacement age.
Here’s the difference:
Actual Cash Value (ACV): ACV policies reimburse you for the cost of your roof minus depreciation, which means you only get what your roof is worth today. As a roof ages, the payout shrinks significantly, leaving homeowners responsible for a larger portion of the replacement cost.
Replace Cost Value (RCV): RCV policies pay the full cost to replace your roof with a new one of similar kind and quality, without subtracting for age or wear. Homeowners still pay their deductible, but the insurance company covers the remaining cost up to the policy's limits.
Frequently Asked Questions About Roof Replacement Timing
How often should I replace my roof?
Most asphalt roofs last 15–25 years, but harsh weather or poor ventilation can shorten that lifespan.
Can I just repair my roof instead of replacing it?
Repairs can buy time, but they’re only effective if the damage is limited. Older roofs with widespread wear often need full replacement.
What time of year is best for roof replacement?
In some places spring and fall, but in Myrtle Beach, temperatures are such where you can have a replacement at any time
Will insurance pay for a new roof if it’s just old?
Usually not. Insurance covers sudden damage, not wear and tear. However, if storm damage is involved, you may qualify for coverage.
Is it dangerous to keep waiting if I don’t see leaks?
Yes. Leaks often start beneath shingles and don’t show inside until the damage is severe.
How can I make roof replacement more affordable?
Ask your roofer about financing, warranties, or grant programs. Acting early can help avoid costly emergency repairs later.
Why Replacing Your Roof on Time Protects Your Home.. And Your Wallet
Waiting too long to replace your roof doesn’t just risk leaks or cosmetic issues, it can create a chain reaction of avoidable damage, insurance complications, and higher long-term costs. Once a roof reaches the end of its lifespan, small problems like rusted nails, missing shingles, or worn-out granules quickly escalate into rotted decking, mold, and structural damage. And because insurers view aging roofs as high-risk, delaying replacement can also mean higher premiums and lower claim payouts, especially if your policy shifts from RCV to ACV.
The good news? Taking action early prevents all of these issues. A roof inspection can confirm your roof’s condition, help you plan your budget, and ensure your home stays protected before the next big storm rolls through the Grand Strand. Whether you use financing, explore grant options, or simply want to understand your roof’s aging process, replacing your roof on time is always more affordable, and far less stressful, than waiting until problems spread.
If you’ve noticed signs of wear or your roof is nearing its expected lifespan, now is the ideal time to schedule an inspection. Proactive steps today can save you thousands tomorrow and keep your home safe, dry, and structurally sound for years to come.
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