Whether you’re considering replacing your new roof out of necessity or preference, it’s no question that it’s a big investment. And while your homeowner’s association (HOA) doesn’t typically have a say in whether or not you replace it (no matter the reason), they may have rules regarding the type of roof you have installed.

Just like any other exterior renovation, your roof can make a big impact on the curb appeal of your home. If you live in an area where there is an HOA, the association’s job is to ensure the growth of property value within that area, so it’s not unlikely that they’ll have some big opinions about what type of roof is acceptable.

Do You Need a New Roof?

Generally speaking, roofs need to be replaced every 20-30 years. But this depends on a number of factors, including the age of the home, the climate in your area, how much wear and tear exists, and how well you’ve maintained the roof. While you may have control over some factors that extend the life of your roof (such as maintenance), other factors have more to do with your geographical area. Extreme temperatures or very heavy snowfall, for example, can take more of a toll on your roof and shorten its lifespan.

Signs that you may need to replace your roof include:

  • Granules are missing or in the gutter
  • Cupped, cracked, or curling shingles
  • Sagging roof
  • Apparent water damage inside or outside the home
  • Dark streaks or stains
  • Moss or algae growth
  • Damaged chimney or roof flashing

How Much Does a New Roof Cost?

The cost of a roof replacement varies significantly depending on the type of roof you choose, the area you live in, and the individual contractor. In Indianapolis, the typical homeowner may pay anywhere from $5,470 to $11,687, according to Best Roofing Estimates. These estimates include the cost of labor along with the materials. But the best way to find out how much you’re looking at is to get a quote from a trusted roofer in your area. They will be able to give you an idea of what your options are and how those options affect the sticker price.

While it’s tempting to hunt around for the cheapest option, we do not recommend skimping to save a few dollars. Your roof is a critical element to the safety and comfort of your home, so it’s important to find a roofing contractor who is experienced and trusted in your area, and understands the process of working with an HOA.

What to Expect from Your HOA When Replacing Your Roof

The best way to make sure your roof is up to par is by getting to know your HOA standards before you start the replacement project. Contact your HOA and ask about their roof replacement regulations. Failure to do so could lead to a big headache down the road if they ask you to redo the project or pay a significant fine.

All HOA’s have governing documents, called CC&Rs (Covenants, Conditions, & Restrictions). Ask your HOA to look at these documents, as they should give you a comprehensive guideline for what you can and cannot do with your roof. They may have specific materials that you have to choose from or have requirements regarding the warranty.

HOA Roofing Requirements

The most important thing is that every HOA is different, so just because your buddy’s roof was approved a few blocks over doesn’t mean that yours will be! Don’t cut corners; reach out to your HOA and do the work ahead of time to avoid problems later on.

That being said, there are some general factors that your HOA will likely be looking at. That includes:


One of the priorities of an HOA is to maintain uniformity in the neighborhood. Your HOA documents should list out what colors you can choose from.


While material does have to do with uniformity to an extent, it may also affect the energy efficiency of the home or the lifespan of the roof. Different roofing materials have varying levels of durability, and depending on your local climate, some materials may offer better resale value for your home.


Your HOA may have stipulations around the style of roof you can choose, and this is mainly for the sake of uniformity. Having a flat roof when all of your neighbors have a sloped roof, for example, may be offputting to future potential buyers.

How to Know if Your Roof is HOA-Approved

Once you have reviewed the CC&Rs from your HOA, the next step is to fill out the required project forms (provided by your HOA). Then, you will want to hire qualified roofing contractors who know what they’re doing and meet the regulations of your HOA. Typically, they will require you to work with a contractor who is fully licensed and insured, but check with them (and again, review those CC&Rs!) to make sure the contractor you choose is approved.

A good contractor will review your CC&Rs before completing the project to make sure they maintain compliance. They may also be able to give you guidance during the selection process based on what your HOA allows.

Your Trusted Indianapolis Roofing Contractor

Indy Roof & Restoration opened in 2018 and has made a name for itself in the Indianapolis area since then. We pride ourselves on redefining the roofing experience—offering top-tier customer service, exceptional quality workmanship, and true dedication to our customers. We have tons of experience working with HOAs and we understand the importance of following regulations down to the most minute details. While the process of getting your roof replacement approved may feel daunting, you can trust that we know exactly what questions to ask and what to look out as we navigate HOA stipulations.

More than that, we are a locally-owned business striving to give back to our community. We go beyond the necessary and donate to many local charities with the goal of leaving Indianapolis better than we found it. When you work with Indy Roof & Restoration, you can count on friendly faces who truly care about our community and your home.

To learn more about roof replacements or to get a free quote, reach out to our team today!

Aaron Christy

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