What do I have to disclose about my roof?
California sellers of most homes complete the Real Estate Transfer Disclosure Statement, which covers the roof and known defects (Civil Code 1102.6). Disclose known leaks and repairs; a fresh roof doesn't remove that duty.
When does replacing first make sense?
- The roof leaks or is visibly at the end of its life.
- A buyer's insurer or the FAIR Plan would treat the roof age as a problem.
- You'd rather control the contractor, materials and permit than negotiate a credit.
When is a repair or credit enough?
When the roof has useful life left. An inspection report showing remaining life can reassure buyers. Starting January 1, 2028, insurers can't refuse to issue or renew solely because of roof age if an independent inspection confirms at least five years of useful life (SB 1301).
What should I keep for the buyer?
The permit and final inspection, the contract, the manufacturer and workmanship warranties and whether they transfer, and photos. See roof certification and what a new roof does to home value.
For your actual price, request a free written estimate: a licensed roofer measures the roof and prices your exact scope.
Every roofer we work with is licensed, insured and highly reviewed by Bay Area homeowners.
Get a free replacement quoteFrequently asked questions
Do I have to replace my roof to sell my house in California?
No law requires it. You must disclose known roof defects, and buyers, lenders or insurers may push for repair or replacement.
Is a roof credit better than replacing?
Sometimes. A credit avoids project management before closing, but buyers often negotiate hard on roof issues.
Does a warranty transfer to the buyer?
Some manufacturer and workmanship warranties transfer, often with a notice or fee. Check the warranty terms.
Sources
- Civil Code 1102.6 (transfer disclosure)
- SB 1301 (Chapter 693, Statutes of 2026)
- California FAIR Plan: replacement cost addendum
Sources reviewed November 12, 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.