A 20-year-old roof isn't automatically due for replacement; its condition, insurance coverage, and future plans matter. Roof age alone doesn't determine necessity—inspection is key. Insurance may limit coverage on older roofs, and normal wear isn't covered. Replacing before retirement can ease cash flow, but funding methods impact finances. Keep records for tax basis. If selling soon, consider market impact. Plan based on inspection, insurance, estimates, and retirement timeline.
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