How much it costs to repair a roof
Your roof is one of the most important features of your home — after all, it helps protect everything underneath it. A well-maintained roof can keep your insulation dry and your walls strong. Replacing an older roof early can save you time and provide lasting comfort.
In this article, we’ve highlighted the benefits of a new roof and what goes into a roof’s replacement cost. We also explain how your homeowners insurance helps you stay protected.
What are the benefits of a new roof?
Safety is often the first thing people think about when it comes to their roof, and a key consideration when thinking about a new roof’s cost. Keeping it in good condition helps protect your home and the people in it. There are also other meaningful benefits to consider.
Increased property value
A new roof can add to your home’s overall value and improve how it looks from the outside. It’s an upgrade that supports your home now and in the future.
Lower energy bills
A new roof replacement is a good time to check your insulation. Proper insulation helps keep heat from escaping through your roof. This means your HVAC system won’t have to work overtime to stabilize your home’s temperature, resulting in savings on your energy bills.
A manufacturer’s warranty
If your new roof is installed by a certified contractor, it may come with a manufacturer’s warranty. That added layer of protection can give you extra confidence in your investment.
Peace of mind
There’s a certain comfort that comes with knowing your home is well protected. A dependable roof helps you focus on what matters most under it.
How much does it cost to replace a roof?
Prices for a new roof depend on a few different factors. The location of your home and the shape and size of your roof are important. The materials you choose also play a role in the final cost of roof replacement.
Here are some common roof types to consider for your home.
Three-tab asphalt composition shingles are one of the most common residential roofing materials used in the United States since they’re economical and easy to install. However, they may need to be replaced more often than higher-end options.
Architectural asphalt composition shingles tend to last longer and offer a more dimensional look, though they usually come at a higher cost.
Impact-resistant asphalt shingles may be able to withstand greater impacts, potentially reducing the amount of roof damage caused by storms and hail. They could help you save on your homeowners insurance.
Metal panels are known for their durability and long lifespan. They are lightweight and fire resistant, though they can cost more than asphalt and may dent under certain conditions.
Wood shakes offer a natural look and have a longer lifespan but may be more susceptible to hail damage and may be prohibited by local fire codes.
Slate is durable and long lasting with a distinctive appearance. It is typically a higher-cost option.
Rubber slate or “faux” slate is designed to resemble traditional slate while being more affordable. It is often made from recycled materials and holds up well against wear.
Tile offers exceptional longevity and is a popular choice for homes in warm-weather climates.
American Family Insurance may also offer a reduced rate for impact-resistant roofs. Get a quote to learn how a new roof may affect your insurance rate.
Does my homeowners insurance cover damages to my roof?
With American Family Insurance, your roof is covered by your homeowners insurance, but how it’s covered depends on a few factors.
If your roof is eligible based on its age and type, roof replacement cost coverage is available for wind and hail damage. This means that in the event your roof is damaged due to acts of "Mother Nature," hail, windstorms, down trees and limbs, down power line or satellite dish, we’ll typically reimburse you for the full amount it would cost to repair or replace your damaged roof, minus your wind and hail deductible.
Actual cash value may apply to damage from wind and hail, especially if your roof is older. Actual cash value is the value of your roof today. It accounts for factors such as age, condition and type of roofing material. If your policy pays for wind and hail roof claims at actual cash value after deductible, it means your out-of-pocket costs may be higher.
Check out our roof replacement coverage page for a closer look at how your homeowners insurance covers damages to your roof.
The benefits of a new roof can typically outweigh its cost. Many roofing companies offer free consultations to help you determine what your roof may need so you can make confident decisions about its replacement. When choosing a contractor, it’s helpful to take your time and make sure you’re working with someone you trust. You can find tips on avoiding contractor fraud and choosing a contractor on our website.
This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.
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