How long does a roof last?

When should I get my roof replaced?

AMP Restoration & Roofing team

Ideally a roof with proper ventilation and good quality shingles, God willing relatively good weather, a

roof can maybe look brand new for 10-15 years and can functionally last for maybe even 20-30 years.

Now if you know you have good quality shingles does this mean that you should wait 20-30 years

before you get your roof replaced? I don’t think any roofing company would recommend waiting that

long and the reason for this is because of a business practice that most insurance companies willingly

participate in. Let me elaborate, the value of a roof to an insurance company depreciates similar to

how a new car depreciates the moment it is driven out of the dealership lot. Which is fair considering

over the years a roof, depending on where you live, will be exposed to varying degrees of wind, rain,

hail, hot and cold temperatures. All of which will attribute to the aging and erosion of the shingles on the roof.


Now when the insurance company is paying for the roof they split the total cost into two separate

checks, the 1st check you receive from the insurance carrier is called the ACV or Actual Cash Value

check, basically how much money the old roof is currently worth.


The 2nd check is called the Depreciation check, which is the amount of value the old roof has lost over the years. Now if we add

these two checks together along with what your deductible is, we get what the grand total of a new

roof is called, the Replacement Cost Value or RCV, which is the total sum paid to your contractor to

replace a roof. Now that you understand the basic terminology of the key terms or words used in a

loss estimate, imagine the Depreciation was designated as Non-Refundable Depreciation by your

insurance carrier. No, it’s not just you, it is as bad as it sounds.


To help you, the reader, understand how serious this is, here is a simple example – Mr. X is our

homeowner for this example and his roof is 18 years old. Mr. X’s insurance carrier just approved his

roof for replacement; Mr. X receives his loss estimate, the RCV for a new roof is $20,000, the ACV

check from the insurance carrier is $13,000 and Mr. X’s deductible is $1,000, and the insurance

carrier has designated $6,000 as Non-Refundable Depreciation! This means the insurance carrier is

only going to send Mr. X a single check for $13,000 to go towards his new roof, so not only does Mr.

X have to pay his $1,000 deductible but he has to come out of pocket an additional $6,000! You don’t

have to be a mathematician to figure out that Mr. X is paying $7,000 to have his roof replaced, almost

half the cost of a full roof replacement for his home. Now if you think that the insurance carrier isn’t

committing highway robbery just yet, then how about we add the fact that Mr. X has paid his

premiums every year, on time, for the last 15 years. Never once making a late payment, even when

the insurance carrier raised his rates out of nowhere.


Non-Refundable Depreciation is just another slimy way for your insurance carrier to avoid paying

completely for a brand new roof. We don’t know when an insurance company is going to designate

the depreciation as non-refundable because that information is buried somewhere deep within your

insurance policy, each policy can be different from the next. And if you want to sue your insurance

carrier, know that the wording of the insurance policy is made intentionally vague so that it can be

interpreted two different ways.


We at AMP Restoration & Roofing recommend that if your roof is over 8 years old then every year

you should have a roofing contractor that you trust come out to your home and do a free inspection of

the property. This is the best way to catch storm damage to your roof as early as possible and if no

damage is found then you’ve gained peace of mind for absolutely no cost or obligation to you at all.

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By Amp Roofing January 21, 2026
Measuring a roof looks easy, but it has its challenges. People often guess instead of doing the math, and that guess can cost real money during repairs or upgrades . Waste on extra shingles or short orders delays a project, leaves patchy colors, and strains the budget. This post solves that problem. You’ll learn how to calculate roof area with pitch in clear steps, pick the right tools, and check your answer with simple charts. By the end, you’ll feel confident ordering materials or speaking with a contractor. Keep reading to turn numbers into a solid roof plan. Why Roof Area Matters Roofing materials are sold by the square foot, so every square foot counts. Over-ordering raises cost, and under-ordering adds labor trips. An accurate area also lets you compare quotes with fair numbers. When you know the math, you can see if a bid pads material or labor. A true area figure can even impact insurance coverage and claims, as adjusters require proof. Gather Your Roof Data Tools Needed 100-foot tape or digital laser Sturdy ladder and shoes with grip Pitch gauge or smartphone inclinometer Notepad, pencil, and calculator Measure the Deck Sketch each roof section from the ground. Mark eaves, ridges, valleys, and hips. Measure the horizontal length and width of every rectangle or triangle. Stay on the ground when possible; use the ladder only for hard angles. Write numbers on the sketch right away to avoid confusion later. Use Basic Geometry First Start flat. Treat every roof section as if it were lying on the ground. Multiply length by width for rectangles. For triangles, multiply the base by the height and divide by two. Add all shapes together. This gives you the plan area, also called the footprint. Next, convert the plan area to square feet of covered surface. A flat roof needs no more math. Pitched roofs require an adjustment, and that’s where roof pitch degrees become crucial. Adjust for Pitch Roof pitch shows rise over run. A 6-in-12 roof rises six inches for every twelve inches of run. Builders often refer to this standard pitch for roofs on modern homes. Pitch changes the surface area because the slope is longer than the plan footprint. Convert Pitch to a Slope Factor Find your pitch with a gauge, app, or by placing a level and ruler on the roof. Turn the pitch into an angle. Use online charts that list roof pitch degrees for common ratios. For instance, a 6-in-12 equals 26.6°. Use the slope factor formula: 1 ÷ cos θ. For 26.6°, the factor is 1.12. Multiply the plan area by this factor. You now have true roof area. Check Common Pitch Scenarios “What is a 6 / 12 roof pitch?” You already saw it: a 6-inch rise over a 12-inch run, at 26.6°, with a factor of 1.12. Say your plan area is 1,800 ft². Multiply: 1,800 × 1.12 = 2,016 ft². Mention this aspect when ordering materials so suppliers know your slope. Low Pitch and Steep Pitch A roof with a pitch of less than 3-in-12 meets the low-pitch definition . These roofs shed water more slowly and need special membranes. They also have a smaller slope factor, so a plan area of 1,800 ft² with a 2-in-12 pitch (9.5°) uses a factor of 1.01, only 1,818 ft². Building codes may require enhanced underlayment any time a design falls into the low-pitch definition category. At the other end, an 11 12 pitch roof rises eleven inches per foot, angle 42.5°, factor 1.35. The same 1,800 ft² footprint becomes 2,430 ft² on the slope. Because walking on an 11 12 pitch roof borders on climbing, contractors often add safety costs to their estimates. Metal Roofing Pitch Transition Switching from shingles to metal often involves a transition from a shingle to a metal roofing pitch . Contractors may reduce the drop from 6-in-12 to 3-in-12 over a porch to match the style or improve drainage. Calculate each section separately, then add the totals. Mention metal roofing pitch transition during design so flashing and trim match both slopes. Remember that many builders treat a 6-in-12 as the standard pitch for a roof , so material quotes frequently default to that assumption. Double-Check Your Math Compare your total against satellite measurement apps. Re-measure key sections if numbers differ by more than 2 %. Ask a trusted roofer to confirm the area before ordering. Most will verify for free while preparing a quote. Accuracy here prevents waste, keeps schedules tight, and supports warranties. Roofing Expertise You Can Trust  AMP Restoration & Roofing knows roofs inside and out. Our team utilizes high-quality tools and on-site inspections to verify every square foot. We don’t guess; we prove. We then recommend materials that match your style, budget, and local building codes. The result is a roof that lasts, drains well, and boosts curb appeal. Clients stay informed at each step, from the first call to the final nail. That’s because we build the plan together, using clear numbers and easy language. Whether you’re curious about how to calculate roof area with pitch or want us to handle the job from start to finish, we’re here to help. Choose AMP Restoration and Roofing for precision and peace of mind! CONTACT US TODAY
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