Detailed answer
Factors That Change The Recommendation
Roofs don't pay back like kitchens or bathrooms - but the value isn't really about resale return. It's about not losing the sale. A 20-year-old roof becomes a buyer's negotiating lever or a deal-killer, depending on the market.
Direct resale return varies by market and buyer expectation. National averages put it at 60-70% of replacement cost recovered. The indirect value is harder to quantify: roofs over 15-20 years old often trigger inspection contingencies, financing complications (some lenders require a certain remaining roof life), or insurance refusals that scare buyers away. A documented new roof with warranty paperwork removes all of that friction. The math gets interesting when comparing 'sell now with old roof and price reduction' vs 'replace and sell at full price.' In hot markets, buyers absorb the older roof more easily; in slow markets, the new roof can be the difference between selling and not selling.
If You're In California Or New Jersey
California buyers often expect documented roof condition because of insurance market constraints - a new or recently inspected roof reassures financing. New Jersey coastal buyers similarly want documentation given storm-zone insurance scrutiny. Both markets reward clear roof paperwork at sale.