7 Signs You Need a New Roof (LA Homeowner's Checklist)

LA's UV exposure is brutal on roofing. Between the sun, the marine layer salt in coastal cities, and the January atmospheric rivers, most LA roofs age faster than the manufacturer expected. Watch for these seven signs:

1. Curling, cupping, or clawing shingles — thermal fatigue from 15+ years of LA sun.
2. Granules in the gutter — that sandy grit is your shingle's UV protection washing away.
3. Cracked or slipped tiles — common after Santa Ana wind events, especially on ridge lines.
4. Interior ceiling stains — yellow rings mean water is already inside the assembly.
5. Daylight visible in the attic — you should never see it around vents, valleys, or the chimney.
6. Sagging roof deck — structural, and dangerous. Get eyes on it now.
7. Age over 20 years with no tear-off — LA insurers are non-renewing policies over 25-year roofs.

The insurance angle most LA homeowners miss

As of 2025, State Farm, Allstate, and Farmers are running roof-age inspections at renewal in LA County. A roof over 20 years old with visible wear can trigger a non-renewal notice — often with 60 days to replace it or lose coverage.