A layover skips the tear-off. The code allows it only in limited cases, and it hides the one thing worth checking: the decking.
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Sometimes, but rarely the best choice. The International Residential Code doesn’t allow a roof-over when there are already two or more layers of roofing, when the existing roof is water-soaked or deteriorated, or on wood shake, slate or tile; many DFW cities follow it. A tear-off lets the crew find and replace damaged decking and flashing.
From the International Residential Code reroofing section; your city may add its own rules.
Usually a little, because there’s no tear-off or disposal. You lose the chance to inspect and replace the decking and flashing.
The International Residential Code doesn’t allow a new layer over two or more existing layers, so the most is two.
This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.