Roofing Guides & Costs

A new asphalt shingle roof costs $8,000-$15,000 for an average home (1,500-2,000 sq ft). Metal roofing runs $15,000-$30,000+. Premium materials like slate or tile can reach $25,000-$50,000+. Major cost factors include roof size, pitch, material, labor rates, and whether tear-off is needed.

Asphalt 3-tab shingles last 15-20 years, architectural shingles 25-30 years, metal roofing 40-70 years, clay/concrete tile 50-100 years, and slate 75-150+ years. Climate, maintenance, ventilation, and installation quality all significantly affect lifespan.

Metal roofing costs 2-3x more upfront but lasts 2-3x longer, is more energy efficient (reflects heat, saving 10-25% on cooling), and withstands severe weather better. Asphalt shingles are more affordable upfront and easier to repair. For long-term homeowners, metal often provides better lifetime value.

Homeowner's insurance typically covers roof damage from sudden events like storms, hail, fallen trees, and fire. It does not cover wear-and-tear, neglect, or roofs past their expected lifespan. File claims promptly and document all damage with photos. Deductibles typically range from $1,000-$2,500.

Repair if: damage is localized (under 30% of roof), the roof is under 15 years old, and structural integrity is sound. Replace if: the roof is over 20 years old, you see widespread curling/buckling, there are multiple leaks, or repair costs exceed 30-40% of replacement cost.