Short answer
Repair when damage is limited and the roof has years left. Replace when damage is widespread, the roof is near the end of its expected life, or repairs keep recurring. An inspection gives you a clear answer.

Signs a repair is enough
A few missing shingles, one leaking vent boot or loose flashing are classic repair jobs on a roof that's otherwise in good shape. See roof repair.
Signs it's time to replace
Replacement makes sense when problems are spread across the roof.
- Curling, cracking or bald shingles on several slopes
- Multiple leaks or repeated repairs
- Sagging roof lines
- Widespread hail or wind damage
- The roof is at or past its expected life
Thinking about cost
A repair costs less today but can be money spent on a roof you'll replace soon anyway. Ask the roofer for both options in writing. See roof replacement.
Questions
How long does an asphalt roof last?
Commonly around 20 to 30 years, depending on the product, ventilation and climate. Hail and heat shorten it.
Can I replace just half the roof?
Sometimes, but matching and warranty issues make full replacement more common.
This guide is general information, not professional, legal or insurance advice. Follow your insurer's instructions and local codes, and put safety first.