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Updated April 2026 — Storm-chaser red flags, independent pricing

7 Things to Check Before You Sign a Roofing Contract

Roofing has the highest rate of contractor complaints of any home service. Here’s the checklist that separates legitimate pros from storm chasers.

Independent — not commission-paid Covers all major materials 7-point contractor checklist Updated April 2026
See 2026 price ranges →Find local roofers

2026 Roof Replacement Price Ranges by Material

Based on a 2,000 sq ft single-story home. Prices include tear-off of one existing layer, materials, labor, and basic cleanup.

MaterialLifespanPer Sq Ft2,000 Sq Ft TotalNotes
3-Tab Asphalt Shingles15–20 yrs$3.50–$5.50$7,000–$11,000Minimum code; least durable; avoid in high-wind zones
Architectural Asphalt Shingles25–30 yrs$4.50–$7.00$9,000–$14,000Most popular; good value; comes with 25–50 yr manufacturer warranty
Metal Standing Seam40–70 yrs$10–$18$20,000–$36,000Best ROI over 40 years; quieter than exposed-fastener metal
Metal Exposed-Fastener (R-Panel)30–45 yrs$7–$12$14,000–$24,000More affordable metal option; fasteners may need resealing at 15–20 yrs
Cedar Wood Shakes20–30 yrs$8–$14$16,000–$28,000Beautiful; high maintenance; banned in some fire zones
Slate (natural)75–150 yrs$20–$40$40,000–$80,000Lasts a lifetime; not suitable for low-pitch roofs; rare installers

* Prices vary by pitch, number of existing layers being removed, local labor rates, and required wind-resistance rating. Hurricane zones (Florida, Gulf Coast) and high-altitude markets (Colorado) may be 15–30% higher.

The 7-Point Contractor Checklist

Print this and use it on every estimate call. Legitimate roofers expect these questions.

1
Verify the contractor's license and insurance
Every state requires roofing contractors to be licensed. Ask for the license number and verify it on your state's contractor licensing board website. Require a certificate of insurance showing general liability AND workers' compensation.
2
Ask if they're a manufacturer-certified installer
GAF Master Elite, Owens Corning Preferred, CertainTeed SELECT ShingleMaster — these programs require ongoing training and allow contractors to offer enhanced warranties (50-year vs. standard 25-year). It matters.
3
Get the complete written scope of work
The proposal should specify: shingle brand + product line, underlayment type, ice & water shield coverage, decking replacement policy (included or $/sheet extra), flashing replacement (valleys, pipe boots, step flashing), ridge cap type, and cleanup/disposal method.
4
Confirm local permit is being pulled
A roof replacement almost always requires a permit. Contractors who skip permits save time — but leave you liable for unpermitted work if you sell the house. Ask: 'Will you pull the permit?' Non-negotiable.
5
Ask about decking inspection and policy
Rotted or damaged decking (OSB/plywood) is discovered during tear-off, not before. A reputable contractor will inspect decking as they remove old shingles and charge a disclosed per-sheet rate (typically $75–$125/sheet). Get this rate in writing.
6
Understand what the warranty covers
Two separate warranties apply: manufacturer (covers shingles; 25–50 years) and workmanship (covers installation; typically 5–10 years from contractor). Manufacturer-certified installers can offer extended workmanship warranties through the manufacturer program.
7
Confirm cleanup and haul-away are included
Shingle tear-off produces 2–3 tons of debris per square (100 sq ft). A full 2,000 sq ft roof produces 40–60 tons. Confirm the quote explicitly includes a dumpster, daily cleanup, and magnet sweep for nails in driveways and yard.

Storm Chaser Red Flags

Roofing has the highest complaint rate of any trade. These patterns appear repeatedly in contractor disputes and BBB complaints.

  • Contractor shows up at your door after a storm offering a 'free inspection' and urges you to file a claim immediately
  • Quote is 40%+ below all other bids — usually means cutting corners on materials, labor, or permits
  • Demands a large deposit (over 30–40%) before work begins
  • Can't show proof of workers' comp insurance — you're liable if a worker is injured on your property
  • Doesn't mention pulling a permit — a sign they're operating outside code
  • Proposes to install new shingles over existing ones ('overlay') to save time — doubles the weight and hides underlying problems
  • Based in another state or town and just passing through after a storm — no local accountability
  • Pressures you to sign the same day or threatens the price will go up

Frequently Asked Questions

How much does a roof replacement cost in 2026?

For a 2,000 sq ft home, expect $9,000–$14,000 for architectural asphalt shingles (the most common choice) including tear-off, materials, and labor. Metal roofing runs $20,000–$36,000 for the same home. Prices vary significantly by region — Florida and Gulf Coast markets often run 15–25% higher due to higher wind ratings required by code.

When should I repair vs. replace my roof?

Replace if: the roof is over 20 years old (asphalt), more than 30% of shingles are damaged or missing, there's widespread granule loss (check the gutters), multiple leaks exist in different locations, or decking damage is found during inspection. Repair if: isolated damage from a single storm event, roof is under 15 years old, and less than 10% of shingles are affected.

Will my homeowner's insurance cover roof replacement?

It depends on your policy and the cause of damage. Wind and hail damage from a named storm is typically covered minus your deductible. Age-related wear is not covered. Some newer policies use Actual Cash Value (ACV) rather than Replacement Cost Value (RCV) — meaning they pay the depreciated value, not full replacement cost. Read your policy declarations page before filing.

How long does a roof replacement take?

A straightforward 2,000–2,500 sq ft residential roof replacement typically takes 1–2 days with a crew of 4–6. Complex roofs with many valleys, dormers, or steep pitches may take 3–5 days. Permitting adds 1–5 days before work can begin, depending on your jurisdiction's processing time.

What's the difference between 3-tab and architectural shingles?

3-tab shingles are flat and uniform — they're the cheapest option but have a 15–20 year lifespan and lower wind resistance (typically 60 mph). Architectural (or 'dimensional') shingles have a layered look, last 25–30 years, and resist winds up to 110–130 mph. The cost difference is typically $1–$2/sq ft installed — worth it in almost every case.

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Every contractor in our directory has been reviewed for licensing and insurance. Compare up to 3 quotes for free.

Dallas, TXHigh hail frequency — impact-resistant shingles pay offBrowse contractors →Austin, TXExtreme heat cycles; Class 4 impact shingles popularBrowse contractors →Denver, COHail capital of the US — check your insurance firstBrowse contractors →