How to Get Through the Winter with a Damaged Roof
Practical guidance for Pennsylvania homeowners facing winter with a roof that needs attention.
A Pennsylvania Winter Is No Time to Have a Weak Roof
Northeast Pennsylvania winters bring heavy snow loads, ice dams, freeze-thaw cycles, and high winds. A damaged roof that might be manageable in September can become a serious structural problem by January. Water intrusion leads to mold, rotting joists, and damaged insulation — problems that compound quickly and quietly.
If you're heading into winter with a roof that has known damage, here are four ways to protect your property and your options.
4 Ways to Get Through Winter with a Damaged Roof
Patch What You Can — Immediately
If you can safely access the roof or access is possible via an interior attic hatch, apply roofing cement or self-adhering flashing tape over any visible cracks, gaps, or missing shingles. Do not attempt steep roof work in wet or icy conditions. Even a temporary patch can prevent significant water intrusion over a Pennsylvania winter.
Tarp the Damaged Area
A heavy-duty polyethylene tarp secured over the damaged section is one of the most effective emergency measures. Use 2×4 boards to anchor the tarp — never nail directly through a tarp, as the punctures defeat the purpose. A properly installed tarp can protect a roof for an entire season while you arrange a permanent fix.
Document Everything for Insurance
Before making any temporary repairs, photograph all visible damage — from the ground and from inside your attic if accessible. If storm damage is the cause, contact your homeowner's insurance immediately. Most policies cover emergency repairs, and documentation is required for a successful claim. Get a written estimate from a licensed PA contractor.
Consider Selling the Property As-Is
If the roof damage is extensive — or if it's compounded by other deferred maintenance — roof repair costs can run $10,000–$30,000+ for a full replacement in Pennsylvania. For some homeowners, especially those facing financial pressure, health challenges, or estate situations, selling the property as-is to a cash buyer is a more practical path than financing major repairs.
Warning Signs Your Roof Damage Is Serious
- Water stains on ceilings or walls directly below roofline
- Daylight visible through the attic boards
- Sagging or soft spots on the roof deck
- Granules accumulating in gutters (sign of shingle deterioration)
- Ice dams forming along the eaves
- Missing or visibly cracked/curled shingles after a storm
Financial Assistance Options
If the cost of repairs is prohibitive, Pennsylvania homeowners may qualify for assistance through:
Pennsylvania PHFA Home Improvement Loan Program
The Pennsylvania Housing Finance Agency offers low-interest home improvement loans for eligible homeowners. Visit phfa.org for current programs.
USDA Section 504 Home Repair
For eligible rural Pennsylvania residents, USDA offers grants and low-interest loans for critical home repairs including roof replacement.
County and Municipal Programs
Lackawanna County, Luzerne County, and some municipalities offer emergency housing repair assistance for qualifying low-income homeowners. Contact your county housing authority.
Homeowner's Insurance
If the damage is storm-related, your policy may cover a significant portion of repair costs. Review your policy and file promptly — most policies have claim deadlines.
Can't Afford the Roof Repairs? We'll Buy It As-Is.
House Buying Solutions purchases Pennsylvania homes in any condition — damaged roofs, deferred maintenance, or structural issues. You don't need to fix anything before we make an offer. We factor the condition into our price and handle the repairs after closing.