Home Roof Replacement Cost: 2025 Pricing Guide & Factors

Replacing a roof isn’t a small line item; for 2025 the national average runs between $9,500 and $24,000 for a single-family home, with most homeowners signing contracts around $14,500. Whether your shingles are peeling after the last hailstorm or you’re planning a full exterior refresh, that price can swing thousands of dollars based on material choice, roof size, pitch, and even your ZIP code.

Instead of guessing, use this pricing guide as your field manual. We’ll break down every cost variable—square footage charts, regional labor rates, material premiums, tear-off fees—so you can compare bids with confidence and find hidden savings. We’ll also cover why 2025’s contractor shortages, material inflation, and tighter building codes in storm-prone states might add unexpected fees. By the time you reach the bottom, you’ll know exactly what drives the numbers and how to negotiate a fair, no-surprise roof replacement contract.

National Average Roof Replacement Costs in 2025

Crunching the numbers from insurance databases, contractor surveys, and the latest trade-association reports puts the 2025 national cost to replace a residential roof at $9,500 to $24,000, with the statistical midpoint landing near $14,500. That’s the all-in figure—materials, tear-off, labor, permits, cleanup, and warranty—not just a pallet of shingles. Why such a wide span? Because a 12-square ranch in Kansas with basic three-tabs is a very different project than a 32-square two-story in coastal Florida with standing-seam metal. Think of the ranges below as benchmarks to keep in your back pocket when a contractor slides a quote across the table.

Typical price range & what you get

A single phrase on most quotes—“remove and replace roof” —masks several tiers of workmanship and product quality. Here’s how the money usually breaks down:

Cost Tier	Total Project Cost*	Common Materials	Workmanship Warranty	Scope & Extras
Budget	$9,500 – $13,000	3-tab asphalt	1–5 yrs	Basic tear-off (1 layer), felt paper, limited ventilation upgrades
Standard	$13,000 – $18,000	Architectural asphalt, corrugated metal	5–15 yrs	Ice-and-water shield, synthetic underlayment, ridge vent, starter-strip shingles
Premium	$18,000 – $24,000+	Standing-seam metal, tile, designer shingles	15–30 yrs	Multi-layer tear-off, high-temp underlayment, custom flashing, extended labor warranties

*Based on a 1,700–2,100 sq ft roof.

Expect the numbers to climb if your home is taller than two stories, local permit fees exceed $500, or disposal facilities charge per ton instead of per load.

Average cost by roof size (square footage chart)

Knowing your roof’s footprint helps you sanity-check any bid. A “square” is roofing slang for 100 sq ft. Multiply the house footprint by roof pitch to get an approximate roof area, then compare to the table:

Roof Area (sq ft)	Squares	Low ($)	High ($)
1,000	10	$6,000	$11,000
1,500	15	$9,000	$16,000
2,000	20	$12,000	$20,000
2,500	25	$14,500	$23,500
3,000	30	$17,000	$27,000

These figures assume architectural asphalt on a walkable pitch. Steep slopes (>7⁄12) or premium materials add 15 – 40 %.

Cost per square foot vs. per square (100 sq ft)

Roofers often quote per square while homeowners think in square feet. A quick conversion keeps everyone honest:

Price per sq ft = Total Bid ÷ Roof Area (sq ft)

Price per Square = Total Bid ÷ Squares or Price per sq ft × 100

Typical 2025 price bands:

• Asphalt shingles: $3.75 – $5.50 per sq ft( $375 – $550 per square )


• Steel/Aluminum: $7.00 – $11.00 per sq ft( $700 – $1,100 per square )


• Clay/Concrete tile: $9.00 – $15.00 per sq ft( $900 – $1,500 per square )

Run the formula on any estimate; if the math is way outside these ranges, dig deeper before signing.

Key Factors That Impact Home Roof Replacement Cost

Two houses can share the same square footage and still get bids that differ by five figures. That’s because contractors juggle a cocktail of variables—everything from roof pitch to landfill fees—before they land on a number. Any single factor below can swing your final home roof replacement cost by 30 percent or more, so double-check how each one shows up on every quote.

Roof size & pitch

Bigger roofs need more material, more labor hours, and often bigger equipment. Pitch piles on extra cost because installers must slow down and add safety gear.

• Low-slope (<3/12): baseline price × 1.0


• Walkable (4–6/12): baseline price × 1.10


• Steep (>7/12): baseline price × 1.30 or higher

That means a $15,000 walkable project can jump to almost $20,000 when the slope tops 7/12.

Material choice (asphalt, metal, tile, etc.)

Material runs 40–60 percent of the invoice and drives lifespan, curb appeal, and insurance discounts.

Material (2025)	Avg. Cost per Square	Typical Lifespan	Notable 2025 Trend
3-Tab Asphalt	$375–$425	15–20 yrs	Prices flat after 2024 resin spike
Architectural Asphalt	$450–$550	25–30 yrs	Impact-resistant versions popular in hail states
Standing-Seam Metal	$900–$1,100	40–70 yrs	Steel up ~5 % due to tariffs
Clay Tile	$1,100–$1,500	50–100 yrs	Import bottlenecks limiting colors
Synthetic Slate	$650–$900	40–50 yrs	Lighter weight avoids deck reinforcement

Labor & local market rates

Roofing is labor-intensive—wages can outpace material costs in high-cost metros. For example, Denver crews average $65/hour while rural Eastern Colorado hovers near $45/hour. Union requirements, prevailing-wage ordinances, and worker shortages all inflate bids, especially during storm-repair surges.

Roof complexity (stories, dormers, skylights)

Architectural details slow crews and increase cut waste:

• Extra story: add 10–15 % for ladder lifts and staging


• Dormer or valley concentration: +$250–$400 each for flashing labor


• Skylight removal & reset: $350–$800 per unit


• Chimney re-flashing: $300–$600, depending on brick or stone

Multiple complexities can stack quickly, so ask contractors to itemize each add-on.

Tear-off & disposal fees

Removing old layers isn’t free:

1 layer tear-off: $60–$90 per square

2+ layers: $90–$140 per square

Dumpster rental: $375–$550 per 30-yard roll-off

Landfill tipping: $40–$70 per ton

If you have two layers of brittle three-tabs, expect at least $1,500 extra on a 20-square roof.

Accessibility, permits & code upgrades

Tight driveways, delicate landscaping, or HOA rules may require smaller dump trailers or protective plywood walks—often $300–$700. Municipal permits run $150 in small towns but can exceed $800 in big cities. Code items like ice-and-water shield, drip edge, and Class 4 impact shingles (mandatory in some Colorado counties) add another $1.00–$1.75 per square foot.

Seasonal & economic influences (inflation, supply chain 2025)

• Peak season (June–September) premiums: 8–12 %


• Resin and fiberglass mat costs stabilized, but steel tariffs pushed metal panels up 5 % year-over-year.


• Hurricanes or hailstorms can trigger regional material shortages, inflating prices for 60–90 days.

Schedule work in late winter or early spring to sidestep both weather delays and mid-summer price hikes.

Cost of Roof Replacement by Material Type

Material is the single biggest line item on a roof invoice—typically 40 % to 60 % of the total—so choosing the right product can shave thousands off your home roof replacement cost or, just as easily, add them. Below is what Colorado and nationwide contractors are charging in 2025 for the most common roof coverings, plus the pros, cons, and trends that should influence your decision.

Asphalt shingles (3-tab, architectural, premium designer)

Still the workhorse of American roofing, asphalt shingles cover roughly 70 % of U.S. homes.

• Price: $3.75–$5.50 / sq ft ($375–$550 per square)
  
  
  
  • 3-tab: lower end of the range
  
  
  • Architectural (“laminated”): mid-range
  
  
  • Designer/impact-resistant: upper end
  
  
  
  


• Lifespan: 15–30 years depending on grade


• 2025 trend: Class 4 impact-rated architectural shingles are hot sellers in hail states like Colorado, often yielding insurance discounts of 5 %–15 %.


• Pros: Widely available, easy to repair, many color profiles


• Cons: Shorter lifespan than metal or tile, susceptible to wind uplift if improperly installed

Metal roofing (standing seam, corrugated, stone-coated steel)

Metal’s share of the residential market keeps climbing thanks to durability and sleek aesthetics.

• Price: $7.00–$11.00 / sq ft ($700–$1,100 per square)
  
  
  
  • Corrugated panels sit on the low side; standing seam commands the premium.
  
  
  
  


• Lifespan: 40–70 years


• 2025 trend: A 5 % materials bump from new steel tariffs, but many insurers now give hail-resistance credits that offset the upcharge over time.


• Pros: Fireproof, lightweight, recyclable, cool-roof colors reduce AC bills


• Cons: Higher upfront cost, oil-canning risk on larger panels, specialized installers required

Wood shake & cedar

Natural cedar adds rustic charm but comes with extra maintenance.

• Price: $8.00–$12.00 / sq ft ($800–$1,200 per square)


• Lifespan: 25–35 years when properly maintained


• 2025 trend: Limited old-growth cedar supply pushed pricing up ~6 %. Many municipalities now require factory fire-retardant treatment—add about $1.25 / sq ft.


• Pros: Excellent insulation value, distinctive curb appeal


• Cons: Vulnerable to fire, rot, and insects; higher insurance premiums in wildfire zones

Clay & concrete tile

Tile excels in sunny, coastal, and Mediterranean-style architecture.

• Price: Clay $11.00–$15.00 / sq ft; Concrete $9.00–$13.00 / sq ft


• Lifespan: 50–100 years


• 2025 trend: Import delays from Spain and Mexico narrowing color selections; structural reinforcement often needed for older trusses (≈$2.00 / sq ft).


• Pros: Extreme longevity, Class A fire rating, resistant to UV degradation


• Cons: Heavy (up to 1,000 lbs per square), brittle during foot traffic, higher install labor

Slate roofing

The gold standard for longevity and heritage homes.

• Price: Natural slate $12.00–$20.00 / sq ft; Synthetic slate $6.50–$9.00 / sq ft


• Lifespan: 75–150 years (natural); 40–50 years (synthetic)


• 2025 trend: Demand for polymer-based faux slate rising where rafters can’t bear real stone weight.


• Pros: Elegant look, virtually zero maintenance, incredible lifespan


• Cons: Highest material and labor cost, fragile during repairs, requires highly skilled crews

Synthetic & composite options

Engineered shingles made from polymers, rubber, or recycled plastics bridge the gap between asphalt and premium materials.

• Price: $6.00–$9.00 / sq ft ($600–$900 per square)


• Lifespan: 35–50 years


• 2025 trend: Manufacturers tout Class A fire ratings and hail warranties, making composites popular with HOA boards wanting uniform yet durable roofs.


• Pros: Lightweight, impact-resistant, broad color palette, mid-tier pricing


• Cons: Limited long-term track record compared to slate or metal, may fade under intense UV

Green and solar-integrated roofs (2025 trends)

Sustainability and energy generation are reshaping the roofing conversation.

• Solar shingles/BIPV: $18.00–$25.00 / sq ft before the 30 % Federal ITC
  
  
  
  • Lifespan: 25–30 years for both roof and solar components
  
  
  
  


• Vegetative (garden) roofs: $15.00–$28.00 / sq ft depending on substrate depth


• 2025 trend: More states allow net-metering rollovers, shortening solar payback periods to 9–12 years on average.


• Pros: Reduce energy costs, may qualify for tax credits or local rebates, boost resale value


• Cons: Highest upfront investment, limited installer pool, additional structural and waterproofing requirements

Knowing how each material impacts both sticker price and long-term value helps you choose a roof that fits your budget today and your maintenance tolerance tomorrow.

Regional Price Variations Across the United States

A national average is handy, but roofing is anything but a one-price-fits-all purchase. Freight distance, local wage scales, and weather-driven code requirements can push the home roof replacement cost 25 % higher—or lower—than the numbers in the previous section. Before you compare bids from New York to Denver, make sure you’re comparing apples to regional apples.

How climate and building codes affect pricing

Mother Nature writes part of the check. Hurricanes along the Gulf Coast demand extra fasteners and secondary water barriers; heavy-snow counties in the Northeast insist on beefier trusses; wildfire corridors out West often mandate Class A fire-rated materials. Every additional code line item adds material and inspection fees, which contractors bake into their base price.

Sample cost ranges in major regions

Region	Low Range*	High Range*	Go-To Materials
Northeast	$8,500	$27,000	Architectural asphalt, natural slate, synthetic slate
South	$8,000	$21,000	3-tab asphalt, metal panels, reflective shingles
Midwest	$9,000	$24,000	Impact-resistant asphalt, standing-seam steel
West	$10,000	$28,000	Concrete/clay tile, fire-treated shakes, metal

*Prices assume a 1,700–2,100 sq ft roof with one tear-off layer.

Spotlight on Colorado & hail-prone zones

Colorado sits at the crossroads of high altitude UV and billion-dollar hail events. Many counties now require Class 4 impact-resistant shingles; that upgrade alone adds roughly $1.25–$1.75 per sq ft, but insurers often trim premiums 5–15 % in return. Post-storm surges also spike labor demand—spring hailstorms can bump bids 10 % for 60–90 days as out-of-state crews flood the Front Range. Budget accordingly and book reputable, local contractors early.

Urban vs. rural labor rates

Metro areas command higher wages and overhead. Denver or Boston crews may cost $60–$70 per labor hour, while roofers two counties over charge $40–$50. City permits and dumpster fees add another $200–$600, and tight lots can require smaller roll-offs or hand-carried tear-off—both slow and pricey. Rural projects flip the script: cheaper permits and wide-open staging, but you may pay a travel surcharge if the crew drives an hour each way.

Knowing these regional levers lets you judge whether a quote is genuinely high, or simply reflects the realities of your zip code.

Roof Replacement vs. Repair: When Paying More Saves Money

A roof leak doesn’t automatically translate into a five-figure invoice. Sometimes a focused repair keeps water out for years; other times throwing new shingles at an old deck is like slapping duct tape on a rusty pipe—money wasted. The smartest way to control your home roof replacement cost is knowing when a repair is a strategic stop-gap and when it’s just delaying the inevitable.

Common signs full replacement is needed

• Roof age at or past life expectancy (20-25 yrs for architectural asphalt, 40 yrs for metal)


• Widespread granule loss and curled or missing shingles across multiple slopes


• Multiple active leaks or ceiling stains in different rooms


• Soft or spongy decking detected during walk-through


• More than two existing shingle layers (code often caps roofs at two)

If two or more boxes are ticked, paying for another round of patch jobs usually costs more long-term than scheduling a full tear-off.

Cost comparison chart: repair vs. replacement

Scope	Typical 2025 Cost	Years of Life Added	Cost per Added Year*
Flashing seal & small leak	$450 – $900	2 – 3 yrs	$150 – $300
Replace 5 damaged shingles	$350 – $700	1 – 2 yrs	$175 – $700
Valley re-flash & underlayment patch	$1,200 – $2,000	3 – 5 yrs	$240 – $667
Full 1,800 sq ft replacement (architectural asphalt)	$13,500 – $16,500	25 – 30 yrs	$450 – $660

*Cost per Added Year = Project Cost ÷ Expected Years Gained

Notice how a second major repair can eclipse half the price of a new roof while adding only a fraction of the lifespan.

Longevity and warranty considerations

Manufacturers rarely extend shingle warranties after a piecemeal repair. Full-system replacements, on the other hand, unlock 30- to 50-year limited warranties and 10- to 15-year workmanship coverage from certified installers. That safety net often justifies the higher upfront spend versus recurring patch bills.

Insurance claim scenarios & storm damage

If hail or wind is the culprit, file a claim before authorizing repairs. Most carriers reimburse a full replacement under Replacement Cost Value (RCV) policies when damage exceeds 25 % of a slope. Opting for a quick fix can jeopardize future coverage because insurers may classify remaining damage as “pre-existing.” Document everything, meet the adjuster on-site, and get the contractor’s opinion in writing to decide whether to repair or replace without risking claim denial later.

Knowing these tipping points lets you invest once—wisely—instead of paying twice for short-lived band-aids.

Additional Expenses & Hidden Costs to Budget For

Sticker shock often creeps in after demolition starts—when roofers expose what the old shingles were hiding. These behind-the-scenes charges rarely appear on advertising flyers but can add thousands to your final home roof replacement cost. Pad your budget by 10 %–15 %, and keep an eye on the line items below so they don’t blindside you at the payout meeting.

Underlayment, flashing & ventilation

New codes seldom allow the cheap black felt your house was built with.

• High-temp synthetic underlayment: $0.25–$0.45 / sq ft


• Ice-and-water shield in valleys and eaves (often mandatory in Colorado): $1.00–$1.75 / sq ft


• Metal drip edge replacement: $2.00–$3.25 per linear foot


• Ridge vent or solar-powered fans to meet 1:150 ventilation ratios: $650–$1,200 for a typical 2,000 sq ft roof

Structural repairs & decking replacement

Rot, mold, or decades-old plank decking show up only after tear-off.

• 7⁄16" OSB or ½" plywood: $55–$85 per sheet installed


• Sistering rafters or adding collar ties: $7–$12 per linear foot
  
  Rule of thumb: one in five roofs needs at least 3–5 decking sheets replaced.

Gutters, skylights & chimneys

Perimeter items often fail at the same pace as shingles.

• Seamless aluminum gutters & downspouts: $6–$10 per linear foot


• Skylight re-flash vs. full replacement: $400 vs. $1,200+ each


• Chimney counter-flashing and cricket rebuilds: $350–$900

Unexpected discoveries & change orders

Older homes may hide regulated materials or design quirks:

• Lead paint or asbestos abatement: $1,500–$4,000


• Hidden dormer framing errors or unpermitted add-ons: priced after discovery
  
  Get all changes documented in writing with cost and schedule impacts before work resumes.

Cleanup, disposal & post-install inspections

A clean jobsite isn’t free.

• 30-yard roll-off swap fees, magnetic nail sweeps, landscape fabric: $300–$600


• City re-inspection after a failed initial visit: $75–$150


• Third-party manufacturer inspection for extended warranties: $200–$400

Plan for these “nickel-and-dime” charges up front and the final invoice won’t feel like it jumped out of nowhere.

How to Get an Accurate 2025 Roof Replacement Estimate

A rock-solid quote starts with good data—both on your roof and on the contractor who will swing the hammers. The steps below will help you pin down a realistic home roof replacement cost and weed out padded numbers before they drain your budget.

Measuring roof area yourself

Knowing your square footage keeps you in the driver’s seat.

• Pull your home’s footprint from county records, then multiply by the pitch factor (e.g., 1.12 for a 6⁄12 slope).


• Drone and satellite apps like Google Earth’s ruler tool can provide a quick aerial measurement within 3 % accuracy.


• Round up to the nearest “square” (100 sq ft) to match contractor lingo.

Using online cost calculators

Free calculators ask for ZIP code, material, pitch, and stories to spit out a ballpark. Treat the output as a sanity check, not gospel—most ignore tear-off layers, decking repairs, and local permit fees.

Gathering multiple contractor bids

Aim for at least three written bids. Schedule them within the same week so material prices and weather outlooks are comparable. Be wary of any estimate delivered sight-unseen; an in-person inspection is non-negotiable for accuracy.

Evaluating quotes (materials, labor, warranties)

Create a simple comparison table:

Item	Bid #1	Bid #2	Bid #3
Shingle Brand & Grade
Underlayment Type
Tear-Off Layers Included
Workmanship Warranty
Payment Schedule

Line-by-line comparisons expose shortcuts—like skipping starter strips—or inflated profit margins.

Questions to ask a roofing contractor

1. Are you licensed and insured in this state?


2. Who supervises the crew on-site each day?


3. How are change orders documented and priced?


4. Will you register the manufacturer warranty on my behalf?


5. Can I speak with three recent customers who had similar roofs?

Clear answers to these questions, plus the data you gathered above, will zero in on a fair, surprise-free 2025 roof estimate.

Paying for Your New Roof: Financing, Insurance & Tax Credits

Even when you trim scope and shop smart, a full roof replacement still lands in four- or five-figure territory. The good news: you don’t have to raid your emergency fund in one shot. From insurance settlements after a hailstorm to zero-interest promo loans, there are several ways to spread or reduce the home roof replacement cost without delaying much-needed work.

Homeowners insurance coverage for damage

Most HO-3 policies cover “sudden and accidental” events—hail, wind, falling limbs—on a replacement-cost basis (RCV). Pay your deductible and the insurer cuts checks for the rest, usually in two draws: ACV up front, depreciation after proof of completion. File within the carrier’s deadline (often 365 days) and photograph everything before temporary repairs. Cosmetic exclusions and high wind/hail deductibles are common in Colorado, so confirm the fine print before you bank on a payout.

Financing options (HELOC, FHA Title I, personal loans)

• HELOC: Variable rates starting around prime +1 %; interest may be tax-deductible if the loan “substantially improves” the home.


• FHA Title I: Government-backed loans up to $25k, fixed rates, terms to 20 years, no equity required—handy for first-time buyers.


• Unsecured personal loan: Fast funding, but rates sit in the 8 %–15 % range. Works best for smaller gaps after insurance.

Manufacturer & contractor financing programs

Top shingle brands and vetted contractors often partner with lenders to offer 0 % interest for 6–18 months or low-APR plans up to 120 months. Expect a soft credit pull at application and possible origination fees around 3 %.

Federal & state incentives (energy efficiency, solar, impact-resistant materials)

• 30 % Federal Solar Investment Tax Credit applies to integrated solar shingles and BIPV roofs.


• Some hail-prone states, including Colorado, offer premium reductions or small tax rebates for UL 2218 Class 4 impact-resistant roofs.


• ENERGY STAR “cool roof” asphalt qualifies for occasional state utility rebates—check local programs before you sign.

Budgeting tips to avoid surprises

• Keep a 10 % contingency fund for decking rot or code upgrades.


• Schedule progress payments: 30 % deposit, 40 % after dry-in, 30 % on final inspection.


• Verify that financing covers change orders; some lenders freeze amounts at contract signing.


• Bank any insurance depreciation check immediately so material price hikes don’t outpace your payout.

Mixing one or more of these strategies lets you protect both your roof and your wallet in 2025.

Money-Saving Tips Without Cutting Corners

A lower bill shouldn’t equal a lower-quality roof. The tactics below keep craftsmanship and warranty intact while shaving hundreds—sometimes thousands—off your final invoice.

Off-season scheduling

Roofers book solid from June through September. Slotting your project for late winter or very early spring can drop labor pricing 5–10 %, because crews would rather work at slimmer margins than sit idle.

Material upgrades that reduce long-term costs

Spending an extra $1 per sq ft on Class 4 impact-rated asphalt can cut annual homeowner insurance premiums 5–15 % in hail states—paying for itself in as little as five years while adding durability.

Combining roof work with other exterior projects

Mobilization is a big expense. If gutters, siding, or solar are also on the wish list, bundling them into one contract lets the contractor amortize dumpsters, scaffolding, and permit fees—often saving 8–12 % compared to separate jobs.

Maintenance habits to extend roof life

A basic upkeep loop—cleaning gutters twice a year, trimming overhanging branches, and scheduling a $150 inspection after major storms—can add five or more leak-free years to your roof, delaying the next full replacement and protecting your investment.

Real-World Cost Examples

List prices and averages are helpful, but nothing beats seeing how the numbers shake out on an actual home. The three snapshots below come from verified 2025 invoices in Colorado and the Midwest. Use them as a gut-check when you’re sizing up your own home roof replacement cost —just remember that pitch, access, and local codes can nudge each line item up or down.

1,500 sq ft ranch with architectural asphalt shingles

Line Item	Units	Cost
Tear-off (1 layer)	15 squares	$1,350
Dumpster & disposal	—	$475
Shingles (Class 4 architectural)	15 squares	$7,275
Synthetic underlayment & ice shield	—	$925
Labor (walkable 5/12 pitch)	2.5 days	$3,600
City permit & inspection	—	$225
Contingency used	—	$150
Total Paid	—	$14,000

Homeowner pocketed a 10 % annual insurance discount for the impact-rated shingles—worth roughly $165 / year.

2,000 sq ft two-story with standing-seam metal

Line Item	Units	Cost
Tear-off (2 layers)	20 squares	$2,400
Structural bracing for 2nd floor staging	—	$750
24-ga. steel panels & trims	22 squares	$16,500
High-temp underlayment	—	$1,350
Labor (steep 7/12 pitch)	4 days	$6,800
Permit, lift rental, inspections	—	$1,050
Total Paid	—	$28,850

Steel tariff bump added ~$1,000 compared with identical 2024 jobs, but the owner now enjoys a 40-year paint and weathertight warranty.

3,000 sq ft hip roof with concrete tile in hail zone

Line Item	Units	Cost
Tear-off (1 layer)	30 squares	$2,850
Forklift & pallet staging	—	$1,200
Concrete S-tile & fasteners	32 squares	$34,400
Deck reinforcement (5/8" ply)	45 sheets	$3,375
Labor (multiple hips & valleys)	6 days	$9,600
Class 4 insurance upgrade credit	—	–$2,700
Permit, HOA review, final inspection	—	$875
Total Paid	—	$49,600

Even after shelling out nearly fifty grand, the homeowner recouped $2,700 immediately through an insurer rebate and shaved $425 off annual premiums going forward.

Ready to Price Your Roof?

You’ve seen the national averages, drilled into material and labor variables, and spotted the sneaky extras that can bloat a bid. Now it’s time to turn those numbers into an actual proposal for your home. Start by measuring your roof (or having a pro do it), shortlist three reputable contractors, and request line-item quotes that match the checklists we outlined. Compare them side-by-side, ask questions, and resist the urge to sign the first lowball offer—accuracy and accountability beat speed every time.

If you’re in the Denver or Northern Colorado area, let a local, veteran-owned crew run the numbers for you. Semper Fi Restoration offers free, no-obligation roof inspections, detailed 2025 replacement estimates, and guidance on insurance or financing options. Tap into our boots-on-the-ground expertise by scheduling today through Semper Fi Restoration. Your new roof—and a transparent price—are just one call away.