A roof replacement is one of the biggest home expenses most people will face. Here’s what to know before you sign a contract.
Get at Least Three Quotes
Roofing quotes can vary significantly between contractors for the same job. Getting three written estimates helps you spot outliers and negotiate with confidence.
Understand What’s Included
Ask whether the quote includes removal of the old roof, new underlayment, flashing, and cleanup — not just shingles. Missing details in a quote often turn into surprise charges later.
Check for Manufacturer and Workmanship Warranties
A quality roof job should come with both a manufacturer’s warranty on materials and a separate workmanship warranty from the contractor covering their labor.
Ask About Financing and Insurance Coverage
If the roof damage was caused by storm, wind, or hail, your homeowner’s insurance may cover some or all of the replacement cost. It’s worth filing a claim and getting an adjuster’s assessment before paying out of pocket.
Verify License and Insurance
Always confirm a contractor is licensed and carries liability insurance before work begins. This protects you if something goes wrong on your property during the job.
Time It Right
Roofing costs can fluctuate seasonally. Scheduling outside of peak storm-damage season (when contractors are in high demand) can sometimes result in better pricing.
Bottom line: A new roof is a major investment — a little homework up front on quotes, coverage, and contractor credentials can save thousands.