Types of Shingle Damage
- Missing shingles: Wind lifted tabs that weren't properly sealed or nailed. Urgent — exposed deck is at risk from the next rain event.
- Cracked or broken shingles: Impact damage (hail, branches) or thermal splitting on older shingles. Water can infiltrate at cracks.
- Curling or cupping: Shingle edges curl up (cupping) or down (clawing). Usually indicates aging or moisture imbalance. A sign the roof is approaching end-of-life.
- Granule loss: Bare spots or excessive granules in gutters. The granules protect the asphalt mat. Significant granule loss means the shingle has lost its primary UV protection.
- Blistering: Small raised bumps on the shingle surface from moisture or volatile gases during manufacturing. Usually cosmetic unless the blisters pop and expose the mat.
Shingle Repair Cost
Prices vary by market. Always get a written quote after inspection. Full cost breakdown: Roof Repair Cost Guide
Repair vs. Replace: The Shingle Decision
Isolated damage on a roof under 15 years old — repair. Widespread granule loss, multiple problem areas, or a roof over 20 years old with recurring issues — replacement usually wins economically. A good contractor shows you both options and explains the numbers honestly.
Full guide: Repair vs. Replacement — How to Decide
Does Insurance Cover Shingle Damage?
If shingles were lost or damaged by a sudden event — hail, wind, storm — homeowners insurance typically covers it. Gradual wear, granule loss from aging, or maintenance neglect is not covered.
Full guide: Does Insurance Cover Roof Damage?