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Roofing FAQ

The 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.

How to choose

Before you call anyone
Know roughly how old your roof is and what it is made of. Those two facts change every answer.
Before you compare quotes
Confirm each includes tear-off, underlayment, new flashing, ventilation and disposal — and that all use the same square count.
Before you claim
Check your deductible, including any separate wind or hail deductible, then compare it to the estimated repair cost.
Before you sign
Get the permit responsibility, payment schedule, timeline and workmanship warranty term in the contract.
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Roofing faq — common questions

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Fixr puts the 2026 national average at about $10,000, with most jobs between $7,500 and $14,000, or roughly $3.75–$11 per square foot. Material and roof complexity drive the range.
Fixr puts asphalt shingles at 20–30 years, metal at 50–70, clay and concrete tile at up to 100, and slate at up to 150.
Between one and seven days according to Fixr, depending on size, material and complexity.
Generally no. The Insurance Information Institute notes that policies exclude damage due to lack of maintenance. Sudden, accidental damage such as storm or hail is the typical covered scenario — check your own policy.
Usually for a full replacement, but it is set locally. Contact your city or county building department. Fixr puts typical permit costs at $100–$500.
Sources

Where these figures come from

You know more than the last homeowner they quoted.

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