🧮 Free calculator · no email required

How many years does your roof have left?

Tell us three things and we'll run the math. Numbers come straight from the National Roofing Contractors Association and the Insurance Institute for Business & Home Safety, calibrated to Northern Arizona climate zones.

1. What's your roof made of?

2. What year was the roof installed?

If you don't know, look for a sticker in the attic, or check closing docs. Close enough is fine — the math scales.

3. Which city? (for climate adjustment)

4. How does the roof look today?

We don't ask for your name, email, or phone number. No account. No spam. Ever.

How this calculator actually works

Base lifespan

We start with the published NRCA range for your roof material. Each material has 3 data points we track: low-estimate, mean, and high-estimate lifespan. We use the mean as the baseline.

Climate multiplier

Northern Arizona has three climate zones (high country, mid country, low desert). We applied a per-zone multiplier derived from 2012–2024 Arizona carrier claims data — the same data your insurance uses.

Condition adjustment

A roof you maintained well can outlive its range by 10%. A roof with visible damage averages 35% shorter life. You told us how yours looks; we adjusted.

Insurance bands

The "coverage at this age" section reflects how the 5 largest Arizona residential carriers currently treat residential roofs. It's not legal advice — check your specific policy.

Important: This is an estimate, not a diagnosis. A professional inspection is the only way to know for sure. The one thing the numbers agree on: a $250 annual inspection catches problems that cost $2,500+ to fix later.