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The Honest Roof Guide/Chapter 01 Β· Check your roof
01
Chapter one Β· Check your roof

What's actually wrong with my roof?

For the person who just had a storm. The one who noticed a stain on the ceiling. The one whose neighbor just got a new roof. Read what fits. Skip the rest.

5 minute readUpdated May 2026Written by the NC Roofing Service team

First. Don't get up on your roof.

We mean this. People who work on roofs every day still get hurt doing it. You shouldn't be the one finding out what's broken from on top of one.

Almost everything you need to figure out about your roof, you can see from the ground, or from inside the attic with a flashlight. The next four sections walk you through it. If you still can't tell what's going on, that's what we're for. We'll come look for free and tell you the truth, even if the truth is β€œit's fine, leave it alone.”

What you can see from the ground.

Walk all four sides of your house. Look up. Look down. Here's what to look for, and what it usually means.

1

Shingles in the yard

If you find pieces of shingle in your yard, in your neighbor's yard, or under bushes, your roof lost them. Wind got under them. The rest are now suspect.

2

Bare patches up there

Stand across the street and look up at the roof. Anywhere it looks a different color, usually darker, is a spot where the shingle or its protective layer is gone.

3

Black grit in the gutters

Look at the bottom of a downspout, or open a gutter. Some sandy black grit on a new roof is normal. A lot of it on an old roof means the shingles are at the end of their life.

4

Bent or missing metal

Around the chimney, in the valleys where two slopes meet, and around vents and pipes. Anywhere metal is bent up, missing, or rusty, that's where water gets in first.

5

Dips or sagging

Look at the ridge of the roof, the top line. It should be straight. A dip, a wave, or a sag means the wood underneath is failing. That's a structural call, not a shingle one.

6

Stains inside the house

Brown or yellow rings on ceilings or upper walls. Bubbled paint. A musty smell in an upstairs closet. The leak you're looking for is usually nowhere near where you see the stain.

Photos to take before you call anyone.

Most homeowners don't know to do this. Adjusters and honest roofers both benefit when you have your own pictures from before they show up. Storm chasers can't invent damage that your photos prove wasn't there.

  1. One photo of each side of the house, from the yard, with the full roofline in frame.
  2. Close-ups of anything that looks wrong. Debris in the yard, missing shingles, dents in the gutters or in metal vents.
  3. If you can safely enter the attic, point a flashlight up at the rafters and the underside of the roof. Photograph daylight, dark stains, or wet wood.
  4. Any storm debris in the yard. Branches, hail on the lawn, broken siding pieces.
  5. Make sure your phone is set to date-stamp photos. The date and time on each photo is what makes them useful later.
Download the one-page photo checklist

Repair, or replace?

There's no single rule. Most honest roofers use some version of this. Find the row that sounds like you.

If your roof is...
If your roof is
Under 12 years old
and you're seeing
Isolated damage from one storm
probably
Repair
Often covered by insurance.
If your roof is
12 to 18 years old
and you're seeing
Storm damage on top of normal wear
probably
Either
A good roofer will tell you honestly.
If your roof is
Over 18 years old
and you're seeing
Any significant damage at all
probably
Replace
Small repairs are usually throwing good money after bad.
If your roof is
Any age
and you're seeing
An active leak, water coming inside
probably
Fix now
Then decide about full replacement.

This is a guideline, not a rule. Every roof tells its own story when you get up there. Anyone who recommends replacement before going up there is selling you something, not assessing your roof.

What to do this week.

Pick the column that matches your situation.

Right now

If water is coming in

  1. Move what's underneath. Buckets, towels, anything that can't get wet.
  2. If your attic is safe to enter, channel the drip into a container so it doesn't soak the joists.
  3. Don't get on the roof to tarp it. Call us. We'll tarp it for free.
  4. Take photos of the inside damage now. They matter later for insurance.
This week

If a storm just came through

  1. Take your photos before anyone else gets there. (Section 03.)
  2. Call your insurance to report the storm. Don't file the claim yet.
  3. Get an honest roofer to look first, before the adjuster. Two if you can.
  4. Don't sign anything anyone hands you in your driveway. Read chapter 04.
No rush

If you just want to know

  1. Use the Storm Check tool. It shows what storms have actually hit your address.
  2. Have a roofer come out for a free look. Two is smarter than one.
  3. Don't let anyone start work before you've gotten a written estimate and an honest roof age.

When you're ready for a real look from a real person, that's what we're for.