However, since the full cost of a roof replacement is usually specified in advance, a personal loan or home equity loan with a fixed interest rate might be a more prudent option. Obviously, this is a lot less, but much depends on the nature of the problem. In general, minor fixes like soffit tears, valley issues and gutter damage are worth doing individually, instead of replacing your roof. A few damaged shingles here and there, or in one contained area, can be handled for as low as $150.

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