What should I check before the storms?
- Shingles curling, cracking or missing, especially on windward slopes and ridges
- Heavy granules at downspout outlets
- Loose or rusted flashing at chimneys, skylights, vents and walls
- Gutters and downspouts clear and draining away from the house
- Overhanging limbs over the roof
- Attic: water stains, damp insulation or daylight through the boards
Stay off the roof; use binoculars and the attic.
How old is the roof, really?
Age matters for both the repair-or-replace decision and insurance. Check permit records, purchase paperwork and invoices (how long roofs last). InterNACHI estimates about 20 years for 3-tab asphalt shingles and 30 for architectural shingles under normal conditions (InterNACHI).
When does a storm leak mean repair?
- One leak, in one place, at a vent, chimney, skylight or wall
- A few shingles blown off in a wind event on an otherwise sound roof
- Clogged gutters or valleys causing backup
When does a storm leak mean replacement?
- Leaks in more than one place, or a leak that moves each storm
- Wear across most slopes, not just one spot
- Soft or sagging deck
- The roof is past its expected life, or already has two layers (California's code bars a third: R908)
What should I do if it leaks during a storm?
Catch the water, move belongings, and keep people away from any bulging ceiling. Photograph the leak and damage for your insurer. Call a licensed roofer for emergency tarping once it's safe, and don't climb onto a wet roof.
What's different about the North Bay?
North Bay storms tend to find roofs under trees first: redwood and oak litter packs valleys and gutters in Mill Valley, Fairfax, Sebastopol and along the Russian River, and wind-driven rain tests ridge lines and flashing on exposed hillside homes in Marin and the Napa hills.
Frequently asked questions
How do I know if my roof can survive El Niño?
Check for widespread wear, flashing problems, attic stains and the roof's age, then get a licensed roofer's written assessment before the storms.
Does one leak mean I need a new roof?
Usually not. A single leak at a vent, chimney or skylight on a roof with life left is typically a repair.
What if my roof already has two layers?
California's Residential Code doesn't allow a new layer over a roof that already has two or more, so replacement means a full tear-off.
What should I do if my roof leaks in a storm?
Catch the water, move belongings, keep away from bulging ceilings, photograph the damage and call a licensed roofer for tarping once it's safe.
Sources
- InterNACHI: estimated life expectancy chart
- 2025 California Residential Code, Section R908 (reroofing)
- NOAA CPC: ENSO diagnostic discussion (Oct 8, 2026)
- CSLB: check a license
Sources reviewed November 11, 2026. Figures are published estimates and official fees, not quotes. Confirm prices, permits and requirements with your contractor and building department. This page is general information, not legal or insurance advice.