Replace the Roof Before You Sell?

In the Houston area, roofs face hail, wind and heat. When you sell, your buyer's insurer will care about your roof's age and condition. Here's how to decide what to do.

Why the roof matters to buyers

• Insurance. Older roofs can mean higher premiums or limited roof coverage for the buyer.

• Inspection. Inspectors will note wear, damage and remaining life.

• Comparison. Buyers in Cypress may also be touring new construction.

Start with a roof inspection

A roofer can tell you the roof's condition, age and remaining life before you list. That puts you in control.

Your three options

• Repair if the roof is in good shape with minor issues.

• Replace if it's near the end of its life or damaged. A new roof can be a strong selling point, and a transferable warranty adds value.

• Price for it or offer a credit if you'd rather not take on the project. Buyers will factor in the cost.

Check your insurance

If storm damage is the cause, review your policy. A claim may help cover replacement.

Keep the paperwork

Permits, warranties and invoices for roof work make buyers and insurers more comfortable.

Does an old roof make a house harder to sell? It can. Buyers' insurers may charge more or limit roof coverage for older roofs, which can affect offers.

Is it better to replace the roof or give a credit? It depends. Replacing can make the home easier to insure and market; a credit or price adjustment can work when you'd rather not manage the project.