🏠 Decision Packet — Roofing

Patch It or Replace It?

The roof inspection checklist San Diego homeowners get wrong — and what contractors don't tell you.

Decision Packet — Roofing

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The 25% Rule

If damage covers more than 25% of the surface: insurance requires replacement not repair.

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Granule Loss Test

Check gutters. Heavy granule buildup = shingles near end of life. Repair is a band-aid.

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Attic Light Test

Daylight visible from your attic? Immediate water intrusion risk. Do not wait.

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SD Cost Window

Repair: $400–$1,800. Full replacement (2,000 sqft, comp): $12,000–$22,000 installed.

🔁 The Loop Roof concern → inspection checklist → vetted roofer

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