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How to Know When Your Roof Is Near the End of Its Lifespan

Written by Kavlan Contracting | Feb 24, 2026 5:32:27 PM

A Central Indiana Homeowner’s Guide to Timing Repairs and Replacement

A roof rarely fails without warning.

In most cases, deterioration begins years before a visible leak appears. The challenge for homeowners in central Indiana is recognizing those early signals before minor aging turns into structural damage, insurance complications, or emergency replacement.

Between freeze-thaw winters, heavy spring storms, hail impact, summer heat, and high winds, roofing systems in the Indianapolis region endure significant stress. Even a properly installed asphalt shingle roof has a performance window, and once it begins closing, the signs become increasingly clear.

Understanding those signs allows you to move from reactive decision-making to proactive planning.

Age Is the Starting Point — Not the Whole Story

Roof lifespan varies by material, installation quality, and ventilation performance.

In Indiana, typical asphalt shingle lifespans are:

  • 3-tab shingles: 15–20 years
  • Architectural shingles: 20–30 years
  • Premium dimensional shingles: 30+ years (when ventilation is balanced)

If your roof is approaching 18–22 years old, it has entered what professionals consider the evaluation phase. That doesn’t automatically mean replacement, but it does mean aging is accelerating.

Shingle systems do not deteriorate linearly. The final five years of a roof’s life typically see more visible breakdown than the first fifteen.

If you’re unsure about your roof’s current condition, this is where a professional evaluation becomes valuable. 

Widespread Shingle Deterioration

Asphalt shingles are engineered to shed water and resist ultraviolet degradation. When they begin failing, symptoms appear consistently:

  • Curling or clawing edges
  • Cracking across shingle tabs
  • Noticeable granule loss
  • Bald or darkened patches
  • Granules accumulating in gutters

Granule loss is particularly important. Those mineral granules protect shingles from UV exposure and help maintain fire resistance. Once they wear away, the asphalt mat becomes brittle.

In central Indiana, once brittleness sets in, wind damage becomes far more likely during spring storms.

If deterioration is isolated to a small section, targeted repair may be appropriate. If it is widespread across slopes, replacement is typically the smarter long-term investment.

 

Storm Exposure Accelerates Aging

Weather in the Indianapolis region shortens roofing lifespans more than manufacturer brochures suggest.

Winter freeze-thaw cycles cause shingles and decking to expand and contract repeatedly. Ice dams can lift shingles and force water beneath them. By early spring, these stress points begin revealing weaknesses.

Hail damage is another major factor. Impact marks may not leak immediately. However, bruising beneath the surface weakens the structural integrity of the shingle. Over time, those compromised areas deteriorate faster than surrounding sections.

Wind damage breaks adhesive seals, increasing the likelihood of shingle uplift in subsequent storms.

When roof age combines with repeated storm exposure, deterioration accelerates rapidly.

4. Repeated Repairs in the Same Areas

A single repair does not indicate roof failure. Multiple repairs in the same general location often do.

If you’ve addressed recurring issues near valleys, chimneys, or vent penetrations, that suggests systemic fatigue rather than isolated damage.

Over time, repair costs compound. Homeowners frequently reach a point where they have invested thousands into maintaining a roof that continues presenting new failure points.

When repair becomes cyclical rather than preventative, replacement often provides better financial clarity.

5. Interior Warning Signs

Roof failure often reveals itself inside the home before exterior damage becomes obvious.

Warning signs include:

  • Water stains on ceilings
  • Peeling paint along upper walls
  • Damp attic insulation
  • Mold or mildew odor
  • Rising energy bills

Ventilation plays a critical role here. Improper attic airflow traps heat in summer and moisture in winter. Over time, this degrades shingles from below and promotes condensation that damages decking.

Balanced intake and exhaust ventilation is essential to maximizing roof lifespan.

Replacing shingles without correcting ventilation problems shortens the lifespan of the new system.

6. Sagging or Structural Irregularities

A sagging roofline indicates structural compromise.

This may result from:

  • Long-term moisture exposure
  • Rotting decking
  • Undersized framing
  • Chronic leak history

Structural issues escalate quickly in cost. What begins as minor decking repair can extend into framing reinforcement and interior drywall replacement.

Early evaluation prevents that escalation.

7. Flashing Failures at Transition Points

Chimneys, skylights, valleys, and vent stacks are common failure points.

Flashing that is corroded, lifting, or heavily reliant on surface caulking signals aging. Since flashing integrates directly with the shingle system, widespread flashing deterioration often accompanies broader roof aging.

In many cases, replacing individual flashing components on a 20-year-old roof only delays inevitable replacement.

Repair vs. Replacement: A Practical Framework

Repair generally makes sense when:

  • The roof is under 15 years old
  • Damage is isolated
  • Ventilation is functioning properly
  • No structural irregularities are present

Replacement is often the better decision when:

  • The roof is 20+ years old
  • Granule loss is widespread
  • Storm damage overlaps with aging
  • Multiple repairs have been completed

For homeowners planning to sell, replacement may also protect against buyer negotiations during inspection.

Why Late Winter and Early Spring Are Ideal Evaluation Windows

Snow loads and ice dams often expose vulnerabilities. Scheduling inspections in late winter or early spring allows homeowners to:

  • Address minor issues before storm season
  • File insurance claims within allowable timeframes
  • Avoid peak-season scheduling delays
  • Budget proactively rather than reactively

This timing is particularly important in central Indiana, where hail and wind events increase through spring and early summer.

The Cost of Waiting

Roof systems degrade gradually, until one storm exposes every weakness at once.

Waiting for interior damage increases the scope of repairs. Water intrusion impacts insulation, drywall, electrical components, and structural framing.

Proactive replacement almost always costs less than emergency replacement.

Final Takeaway for Central Indiana Homeowners

If your roof is nearing 20 years old, showing visible shingle wear, or has endured multiple storm seasons, evaluation is the responsible next step. Clarity reduces risk. Planning reduces cost.

Kavlan Contracting provides detailed inspections and transparent recommendations so homeowners can make informed decisions — whether that means repair, restoration, or full replacement.