Cost & replacement
What Affects the Cost of a New Roof
Updated · Sabine Crest editorial
The main drivers
- Squares of roof area
- Material and product line
- Tear-off layers
- Decking sheets replaced
- Pitch, height and complexity
- Flashing, vents and drip edge
- Permits and windstorm inspections
Compare bids line by line
A lower bid often leaves out drip edge, starter strip, new flashing or decking allowances. Ask each roofer for a line-item estimate.
Insurance-funded roofs
If a storm claim is covered, your out-of-pocket cost is usually the deductible plus any upgrades you choose.
Line items to compare
- Roof size in squares and pitch
- Tear-off layers and disposal
- Decking replacement (per sheet)
- Underlayment type
- Flashing, drip edge and vents
- Windstorm inspection and permit
- Manufacturer and workmanship warranty
How insurance-funded replacements differ
When storm damage is covered, the adjuster's scope sets what the insurer pays, minus your deductible. Upgrades such as impact-resistant shingles or metal are usually paid by the homeowner beyond that scope, though some insurers offer premium discounts for them.
What Affects the Cost of a New Roof: follow-up questions
Why are roofing quotes so different?
Scope and materials differ. Compare line items, underlayment, decking allowance and warranty, not just the total.
Does insurance pay for code upgrades?
Only if your policy includes ordinance or law coverage. Ask your agent.
Does a WPI-8 inspection add cost?
The windstorm inspection is part of code-compliant work in the catastrophe area and is usually included in the contractor's price; ask to confirm.
How is decking replacement priced?
Usually per sheet replaced, because the amount of rotted decking isn't known until tear-off.
Every home differs; editorial standards.