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It depends on how old your roof is and what condition it’s in. If your roof was replaced in the last 20 years, there’s a good chance that all that will be required is a roof repair. However, if it’s been longer than 20 years since the roof has been replaced, then you’ll likely need a roof replacement. A general rule of thumb with roofs is: If your roof is three quarters of the way through its expected life or more, it will need a replacement in the near future.
No. Since insulation does not absorb or retain water, once a leak has been repaired the insulation will dry quickly.
If the leak was stopped quickly, mold growth in your attic shouldn’t be a problem. Mold requires a continuously damp environment to grow & thrive. Once the leak has been repaired, the conditions no longer exist for mold to survive.
No. The mold buildups you’re noticing are simply a product of our environment. You will cause irreversible damage to your shingles if you pressure wash them. If a clean roof appearance is required by your Homeowners Association, a discussion with the directors should result in a variance being granted for your roof.