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Full services directory How it worksFor prosAbout Get matched Call (866) 582-8523The most common roofing questions are what it costs, how long it lasts, whether to repair or replace, and whether insurance will pay. Short version: replacement typically runs $7,500–$14,000 per Fixr, asphalt lasts 20–30 years, replace once the roof is in the last fifth of its life, and insurance usually covers sudden damage but not wear.
Most disputes between homeowners and roofers come from a handful of misunderstandings: what a square is, whether tear-off is included, who pulls the permit, and what the insurance will and won't pay. Clearing those four up before signing prevents nearly all of them.
On price, use ranges rather than a single number. Fixr puts the national average roof replacement at about $10,000 with most projects between $7,500 and $14,000, and labor at 40–60% of the total. This Old House's 2026 figures put standard asphalt at $8,419–$11,665 on a 2,000 sq ft roof.
On insurance, do not take a contractor's word for your coverage. The Insurance Information Institute notes that homeowners policies exclude damage from lack of maintenance — your own declarations page and your insurer's claims line are the only reliable sources.
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