Home Improvements vs. Repairs: What’s Deductible on Your Taxes?

When your roof starts leaking or shingles go missing, the big question often is: can a roof be repaired instead of replaced? The answer depends on the extent of the damage—but another question many homeowners forget to ask is whether those costs can be written off on their taxes.

Understanding the difference between repairs and improvements is key when it comes to deductions. The IRS treats them very differently.

Repairs are generally fixes that restore your home to its original condition. These include patching leaks, replacing a few shingles, or sealing flashing. If you’re wondering if these repair costs are tax deductible, the answer is typically no—at least not for your personal residence. Routine home maintenance doesn’t qualify as a deductible expense.

However, if the work is done on a rental property or if you use part of your home for business, those repairs may be partially or fully deductible. In those cases, you’ll want to keep detailed records and receipts.

Home improvements, on the other hand, are upgrades that increase the value of your property or extend its lifespan. Replacing your entire roof or switching to more energy-efficient materials might count as an improvement. While these upgrades aren’t immediately deductible, they can be added to your home’s cost basis. That can reduce capital gains taxes when you sell your home down the line.

So, how do you know when it makes more sense to repair your roof versus replacing it? If the damage is isolated—like a few cracked shingles or a minor leak—repairing is usually the most cost-effective choice. But if your roof is older or has widespread wear, replacement might be the smarter long-term investment.

If you’re unsure which direction to take, the professionals at Reroof America can assess the damage and help you decide. They’ll also guide you on documenting the work for potential tax benefits.

In the end, whether you repair or replace, knowing how your home upgrades affect your taxes can help you make smarter financial decisions. Don’t just ask if a roof can be repaired instead of replaced—also ask what that choice means for your wallet come tax season.