Mid-Missouri weather is tough on roofs. Between spring hail, summer windstorms, and freeze-thaw cycles in Columbia, Jefferson City, and the Lake area, asphalt shingles often wear out 2–5 years sooner than national averages. If your roof is 15–25+ years old, showing widespread shingle damage, sagging, granule loss, or repeated leaks, it may be time to consider full replacement instead of another patch repair. In this guide, we break down the 7 key warning signs, explain how storm damage and insurance factor into the decision, and help you determine whether repair or replacement makes the most financial sense for your home.