How Much Does a New Roof Cost?
🇩🇪 Diesen Artikel auf Deutsch lesenReplacing an asphalt shingle roof on a typical US home often costs around $10,000–$20,000, while metal, tile or slate cost considerably more. Price depends on roof size, pitch, material, removal of old layers and local labor rates. Storm damage may be covered by homeowners insurance; age-related wear is not.
A roof protects everything beneath it, and a leak can quickly cause expensive damage. Planning for replacement before it becomes urgent gives you time to compare quotes and save.
Cost by material
| Material | Lifespan | Relative cost |
|---|---|---|
| Asphalt shingles | 20–30 years | Lowest; most common |
| Metal | 40–70 years | About 2–3× asphalt |
| Concrete or clay tile | 50+ years | High |
| Slate | 75–100+ years | Highest |
Roofers price by the “square” (100 square feet). Steep pitches, many valleys, skylights and chimneys raise labor costs.
Signs you need a new roof
- Shingles that are curling, cracked or missing
- Granules collecting in gutters
- Daylight or water stains in the attic
- A sagging roof deck
- Age near the end of the material's lifespan
Does insurance pay?
Homeowners insurance typically covers sudden damage from storms, hail or falling trees, minus your deductible — often a separate wind or hail deductible. It does not cover wear and tear. Some policies pay only actual cash value for older roofs.
Financing and planning
If you can't pay cash, compare a home equity loan, a personal loan and contractor financing by APR and total interest:
Loan Payment CalculatorMonthly payment and total interestTry the calculator →Building a sinking fund for the next roof turns a shock into a plan:
Compound Interest CalculatorSee how your savings grow over timeTry the calculator →Frequently asked questions
Can I put new shingles over old ones?
Some codes allow one overlay layer, but tear-off lets roofers inspect the deck and usually results in a longer-lasting roof.
How long does roof replacement take?
For a typical home, often one to three days, depending on size, weather and material.