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Is Roof Repair Tax Deductible?

Knowing if you can claim the cost of your roof repair on your tax deductions may not be as straightforward as you think. The easy answer: No, roof repair is not tax-deductible. However, it’s not quite as black and white as that.

For example, if you have a mortgage, you are permitted to deduct your mortgage interest and property taxes from your income. But that doesn’t mean you can deduct the cost of your roof repair. On top of that, roof replacement is almost never deductible. 

In order for any money you spend to be considered a deductible expense, the expense must be both “necessary” and “ordinary.” In order for a deductible expense to even be considered, it must first meet the “necessary” requirement. This means that the expense has to have a tangible relationship between the repairs needed and the livability of the home.

This highlights a big semantic difference that will help you determine if you can deduct the cost of your roof repair: Is it a home repair, or simply a home improvement?

Home repair vs. Home improvement

If you have some broken shingles after a storm or find that your gutters aren’t funneling rain water as well as they used to, you’ll likely think of this as a home repair need. However, in the eyes of the IRS, it may not qualify as necessary. Their definition of the word “necessary” is only applied to things that make a residence livable again. Does replacing your shingles after a storm or upgrading your gutters serve as a necessary repair, or is it simply an improvement?

Home improvements are generally not tax deductible. However, they can increase the value of your home – which has its own tax implications down the road.

If these distinctions are confusing to you, you’re not alone. Working with an experienced roofing contractor like AGR can help clear up that confusion by giving you access to experts who can help you sort out the details.

Roof repairs for a business

If you’re running a business, you can deduct the costs of repairs and maintenance of on-site equipment – including your roof repair expenses. This applies not only to commercial roofing (such as the roof on an office building or restaurant), but also to residential roofing if your home is also the location of your business.

In fact, if your home is your place of business, you can even deduct the percentage of your total home square footage that your business area takes up. 

Two professional roofers repairing a roof.

How to determine if your roof repair will qualify for tax deductions

With how nuanced tax deduction rules are, it’s always recommended to talk to an expert when trying to determine which expenses qualify for deductions and which do not. 

When you hire an experienced roofing contractor like AGR, you’re getting more than just roofing expertise – you’re also getting behind-the-scenes knowledge of how things like tax deductions and insurance claims interact with your roof repair expenses.

Estimates can be a big part of the roof repair process. Estimates give you an idea of the cost of the work that needs to be done before you decide on the repairs, and can also help you determine if your roof repairs will be tax deductible. AGR is happy to offer free inspections and estimates all throughout the Nebraska area. Call today to book your free roof repair inspection!

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Key Takeaways

Are Roof Repairs Tax Deductible?

A rule of thumb for whether or not a roof repair is tax deductible is asking the question “Is it a home repair or a home improvement?”. If it is a repair, there is a good chance that it will be tax deductible.

However, it is always a good idea to talk to an expert before making any decisions.

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