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                  • Home
                  • Insurance Choices
                    • Auto Insurance
                      • Coverage
                      • Benefits
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                      • Payments
                    • Home & Condo Insurance
                      • Homeowners Standard Coverages
                      • Condo Coverage
                      • Additional Coverage Options
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                    • Specialty Insurance
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                      • Coverage
                  • Claims
                    • Auto Claims
                      • Filing an auto insurance claim
                      • Auto insurance claim process
                      • Repairing Your Car
                      • Total loss car vs. repairable vehicles
                      • What happens after your car is totaled?
                      • How to determine car value
                      • The basics of not-at-fault accidents
                    • Homeowners Claims
                      • Filing a homeowners insurance claim
                      • Home insurance claim guide
                    • Common Claims Questions
                      • What to do after a car accident
                      • How long does an insurance claim take to settle?
                      • What to do if insurance denies claim and more claims tips
                      • I’ve hired an insurance claim attorney - what can I expect?
                      • What is subrogation?
                      • What effect does a not-at-fault accident have on my insurance?
                    • Types of Insurance Claims
                      • Rear-end collisions
                      • Parking lot accidents
                      • Identity theft
                      • Home theft
                      • Water damage
                      • Wind and hail damage
                    • Ways to Report a Claim
                      We're available 24 hours a day, 365 days a year. File a claim report online or report a claim anytime by calling us now.
                      File a claim
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                      • Hurricanes
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                      • Natural Disasters
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                    • Florida Hurricane Mitigation Discounts
                    • About
                      • Benefits and Discounts

                        Check out all the different benefits and discounts that we offer through CONNECT. From auto to home insurance, we've got you covered.

                        See benefits and discounts
                      • Customer Testimonials

                        See what customers have to say about their experience with CONNECT. Read auto and home insurance reviews to learn about our superior customer service and more!

                        Hear from our customers
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                        Have questions around your insurance policy or claims? We’re here to help. Find a CONNECT phone number and other contact info you need.
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                                  Roof Maintenance Guide
                                  Roof Maintenance Guide
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                                  1. Home
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                                  • Learning Center
                                    • Auto
                                    • Home & Renters
                                      • Home maintenance
                                        • Dial Before You Dig
                                        • Snow Removal Tips
                                        • What to Do When the Power Goes Out
                                        • 11 common house maintenance costs
                                        • 10 energy saving tips to help lower your utility bill
                                        • Fall home maintenance tips
                                        • How do I prevent mold growth?
                                        • Driveway repair and maintenance
                                        • How to save energy at home
                                        • Help avoid ice storm damage with these ice removal tips
                                        • Home remodeling costs vs. value
                                        • The rundown on roof maintenance and repair
                                        • Tips for an ice dam-free winter
                                        • Summer energy efficiency ideas
                                        • 7 tips and tricks for basement waterproofing
                                        • What is a sump pump?
                                        • 10 tips to prevent home contractor fraud
                                        • Types of mold and mold removal
                                        • Improve garage security
                                      • Home safety
                                      • Home buying and selling
                                      • How to rent
                                    • Disaster Preparedness
                                    • Understanding Insurance
                                    • Florida Hurricane Mitigation Discounts

                                  The Rundown on Roof Maintenance and Repair

                                  Experts recommend grabbing a roof maintenance checklist and checking the condition of your roof at least twice a year. Our roof maintenance tips infographic will show you how to spot signs of roof damage before you need a roof replacement. 

                                  The essential roof repair tips 

                                  • Check your home’s interior for light and water leaks.
                                  • Inspect your roof’s exterior for damaged shingles and signs of moisture damage.
                                  • Call a professional if roof maintenance is beyond your expertise.
                                  • Don’t delay! Costs for water damage and roof repairs can escalate quickly.
                                  Roof repair checklist

                                  Roof repair checklist; prevent costly roof repairs with regular interior and exterior roof inspections.

                                  Interior inspection – Here’s what to look for:

                                  Areas where the roof deck sags.

                                  Natural light coming through the roof.

                                  Any signs of water leaking or general water damage.

                                  Dark spots and trails.

                                  These could be signs of structural damage to your roof.

                                  Exterior inspection – Inspecting the exterior of your roof will require you to climb the roof and walk around. Or, you can hire a professional to do this for you.

                                  A. Pay attention to any tree branches near or touching your roof. They can rub against or puncture roofing surfaces.

                                  B. Be aware of any moisture, rot or mold. These are signs of potentially damaging water wear.

                                  C. Visually explore your roof for damaged shingles. Look for shingles that are loose, cracked, torn, bald or missing.

                                  D. Look around the chimney for any loose materials and any wear around chimney pipes and vents.

                                  E. Examine all gutters and downspouts. Make sure that the drains are secured to the roof and free of debris.

                                  F. Look for shingle granules in the gutter. A large number of granules may be a sign of excessive roof wear.

                                  G. Note any rusty nails or flashing.

                                  H. Check to ensure that all bath, kitchen and dryer vents go directly outside the home.

                                  Roof type-specific signs. Different types of roofs show different signs of wear and tear.

                                  Tile roof: Check for broken or cracked tiles without walking on the roof. A specialist should replace tiles. Tile roofs must be replaced every 40 years for insurability.

                                  Wooden shake shingles: Be on the lookout for wood-boring pests like termites and carpenter ants.

                                  Asphalt roof: If your roof has any added layers of asphalt, the newest layer needs to be less than 10 years old for insurability.

                                  Your roof needs repairs. What’s next?

                                  Do your research to determine the scope of any needed repairs. Some repairs may be simple do-it-yourself work. For more complex repairs, contact a professional.

                                  SOURCES

                                  1. Riha, John. “Roofing Buyer’s Guide.” DIY Network. diynetwork.com. N.d., Web. 27 May 2020. https://www.diynetwork.com/how-to/rooms-and-spaces/exterior/roofing-buyers-guide
                                  2. “Inspecting Your Roof to Get Ahead of Problems.” National Association of Realtors, houselogic.com. N.d., Web. 27 May 2020. https://www.houselogic.com/organize-maintain/home-maintenance-tips/inspecting-and-maintaining-your-roof/

                                  A.M. Best, the leading independent rater of insurers in the country, has rated the companies within the CONNECT group “A” (Excellent), the third highest of their 15 ratings, for financial strength, stability and soundness of operating performance. Better Business Bereau Accredited Business

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                                  © 2025 American Family Connect Property and Casualty Insurance Company, Inc. All rights reserved.

                                  CONNECT, powered by American Family Insurance, is the brand name of American Family Connect Property and Casualty Insurance Company and American Family Connect Insurance Company, Madison, WI. Depending on the state, auto policies are underwritten by either company, or by an affiliate, Midvale Indemnity Company, Madison, WI. Property policies are underwritten and issued by affiliates based in Boston, MA, including: Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Lloyd’s of Texas, and Homesite Insurance Company of the Midwest. The American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. Each insurer is solely responsible for the claims on its policies and pays the Agency for policies sold. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Prices, coverages and privacy policies vary among these insurers. Each company has sole financial responsibility for its products. Some products, discounts, benefits, and savings may vary, may not be available in all states, and are subject to limitations.

                                  We provide this information to help you understand insurance. Any coverage is subject to the terms of your policy. Please refer to your policy and declaration page for complete coverage details.