Did you know that 90% of asphalt shingle roofs experience some level of granular loss within the first ten years? You might not notice it at first, but over time, that grit in your gutters isn’t just dirt—it’s a red flag.

Granular loss can shorten your roof’s life, compromise your home's protection, and eventually lead to costly repairs. But here's the good news: you don’t always need a new roof.

This guide will walk you through how to repair granular loss on roof without replacing it—saving you money, time, and stress. We’ll also answer key questions and provide actionable solutions. Let’s dive in.

What Is Granular Loss—and Why Should You Care?

Granules are the small, sandpaper-like particles that coat asphalt shingles. They protect your roof from UV rays, add fire resistance, and give your roof its color and texture.

When those granules start to wear off, you're looking at:

• Reduced water resistance
• Faster aging of shingles
• Increased risk of leaks

Most homeowners first notice granular loss in their gutters or around downspouts. But what causes it?

• Normal weathering over time
• Hail and storm damage
• Poor-quality shingles
• Incorrect Roof Installation

If left untreated, granular loss can spiral into widespread roof failure. But early intervention is key.

How do you fix granular loss on a roof?

There’s no “one-size-fits-all” answer, but you can absolutely repair granular loss on certain sections of your roof without a full replacement.

Here’s how we recommend you do it:

1. Inspect the Roof Carefully

Before jumping to conclusions, inspect the entire roof. Look for:

• Bare spots on shingles
• Excess granules in gutters
• Exposed black asphalt layers

Don’t forget to check high-wear areas like roof valleys and areas under overhanging trees.

2. Clean the Surface

Use a soft broom or low-pressure blower to remove dirt and loose granules. This helps new materials adhere properly.

3. Apply Roofing Sealant

Use a high-quality asphalt roofing sealant to the affected area. This reseals the shingle and creates a tacky surface for the next step.

Pro tip: Work in small sections and use gloves. The sealant can get sticky fast.

4. Reapply Granules

You can purchase loose shingle granules at most hardware stores, or reuse granules collected from unused shingles. Sprinkle them evenly over the sealant and press them down with a flat tool.

Let the area cure for at least 24 hours without rain or moisture.

5. Monitor and Maintain

Granular loss can return. Inspect your roof twice a year and after every major storm. Regular maintenance extends the life of your roof and prevents bigger issues.

Is granular loss covered by insurance?

Great question—and the answer depends on the cause.

• YES, if the granular loss is due to storm damage, wind, hail, or a fallen tree.
• NO, if it's due to natural wear and tear or improper maintenance.

Your insurance company may require a roof inspection by a certified contractor before issuing a claim. So keep those inspection records handy.

If you’re not sure where to start, consider reaching out to professionals who offer Roof Repair Services and can help assess your insurance options.

Does granular loss mean I need a new roof?

Not always—but sometimes it does.

Granular loss is like a warning light on your dashboard. Minor wear? Probably fixable. Widespread balding, curling, or cracking? That’s a different story.

If your roof is nearing the 20–25 year mark, or you’re seeing consistent issues across large areas, it might be time to explore a Roof Replacement.

You can reference our full Average Cost of a New Roof in Ohio article for a breakdown of pricing, material types, and what to expect.

When to Call in the Pros for Granular Loss

If the damage is isolated, DIY may be enough. But in these scenarios, bring in a pro:

• Multiple bald patches
• Shingles losing adhesion
• Granules missing across entire sections
• Post-storm roof trauma

An experienced team can evaluate if repairs or a Roof Replacement is the smarter long-term move. And if you're unsure, many companies offer free estimates or roof health checks.

Why You Shouldn’t Ignore Granular Loss

Ignoring it can lead to:

• Water infiltration
• Mold growth in your attic
• Compromised insulation
• Higher energy bills

Granular loss is more than cosmetic. It’s a sign your roof is vulnerable. Acting quickly can keep small problems from becoming structural nightmares.

Proactive Roof Care Tips

Want to keep your shingles in top shape? Try these simple tips:

• Clean gutters twice a year
• Trim overhanging trees
• Install proper roof ventilation
• Use only licensed contractors for any Roof Installation

Preventative care always costs less than reactive repairs.

‍