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You should consider replacing your roof when shingles are curling, cracked, or missing, or if you notice granules collecting in gutters. Leaks inside the attic or light coming through the roof boards are clear signs of wear. If your roof is over 20 years old and has persistent moss or algae growth, the underlayment may be compromised. Also watch for sagging areas or visible water stains on ceilings, which indicate moisture has penetrated the structure. Don't wait for a major leak—addressing the…