Freeman Exteriors

How Much Does a Roof Replacement Cost (and How To Afford It)?

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Do you find yourself repairing your roof season after season? You’re frustrated because the money put into each repair is costing you big time.

If this sounds like you, it’s time you consider a roof replacement. 

Don’t be scared of the roof replacement cost. It can be expensive, but this is not a reason to delay the replacement. 

Replacing your roof at the appropriate time means you no longer have to worry about yearly repairs. You can live in comfort knowing that your roof will protect your home for years to come.

Let’s learn about when to replace your roof, the new roof cost, and how to afford it. 

Repair Roof or New Roof?

You may be thinking, “Do I need a new roof?” You can look for several signs to know when the time is right for a roof replacement. Keep in mind roofs last for 15-20 years.

Asphalt shingle roofs are the most common type of roof. They can last up to 25 years as long as the shingles continue to lie flat on the roof. 

If you see areas of your roof that are cracked, bulging, or leaking into your home, you must investigate further. Often, these problems only need repair, especially if the roof is less than 10 years old.

If these problems continue over time, you need to think about a roof replacement. From the insulation to the electricity, prolonged leaking can wreak havoc. You need to assess the extent of the damage.

A strong sign that you need a new roof is if you see shingle granules on your property, in the gutters, or in the downspouts.

A few loose granules are nothing to worry about, but granules are important to the durability of the shingles. An excessive amount of granules coming loose is something to get checked out.

A sagging roof is also a sign that you need a roof replacement. Drooping can mean trapped moisture or rotting boards below the roof.

Check the roof for moss and mold. You can use a stiff brush to get rid of the build-up, but always have a professional check for underlying problems. 

If you are still unsure about whether you need a roof replacement or a repair, contact your local roof repair company and have an expert take a look.

How Much Does a Roof Replacement Cost?

New roofs usually cost thousands of dollars. Depending on the size of your roof and the materials you use, the roof replacement cost can vary. It can range from a few thousand dollars to tens of thousands of dollars. 

Do not let this scare you! A roof replacement is an investment into your home.  Even though you can’t change the size of your roof, you can have a strong input on what materials to use.

This is not to say to always go for the cheapest option. Although asphalt shingle roofs are the cheapest and easiest to install, there may be a better option for you.

If you experience heavy rain, snow, high winds, or other extreme weather conditions, you should consider higher-grade materials when replacing your roof.

Better materials can save you from costly repairs 5-20 years from now and leave you feeling more secure in your home.

Options other than asphalt shingle roofs include wood, metal, tile, and slate roofing.

The total roof replacement cost includes labor and other materials like nails and flashing. Chimneys and skylights will require additional flashing.

Further pricing factors to consider are installing the roof to the frame, layers, and code requirements. You will also be charged for roof removal of the old roof before contractors can secure the new one.

How Do You Afford the Cost?

Before stressing out about the cost, always double-check whether your homeowner’s insurance will cover any of the costs.

Although most insurance companies only cover a roof replacement due to an act of nature, it doesn’t hurt to ask what they are willing to cover. 

If you have neglected your roof for years, they may not offer anything. This is why it is of the utmost importance you keep an eye out for any damage on your roof over time.

If your insurance is unable to assist with the cost, you have other options. 

You can sign up for a payment plan. 6 and 12-month financing options are available for those who need them.

You can also consider taking out a home equity loan to help with the costs. Both of these options are good resources to make use of if you cannot pay out of pocket. 

Although not the most preferable way, you can charge your roof replacement on your credit card. You will need to pay interest, but it is an additional option to consider.

Definitely do your homework before you commit to a roof replacement. You know that there are a lot of fees included in the roof replacement cost.

Ask for a breakdown of each charge to make sure you are overpaying on anything.

Remember, this is an investment in your home. Paying for a roof replacement now, when the time is right, can save you thousands of dollars in repairs in the future.

Schedule Your Roof Replacement

Now you know whether you require a roof replacement or not. You have an idea of what the roof replacement cost will be. You also know how you’re going to pay for it.

This is great! The last thing to do is schedule an estimate to have a team come out and get the work started. 

What are you waiting for? Set up your roof replacement today!

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Jake Freeman

Jake Freeman

Freeman Exteriors is a family owned and operated general contracting company. We specialize in roofing and commercial renovations. We serve Champaign County, Vermilion County, including Champaign, Danville, Paris, IL and Crawfordsville, Covington, West Lafayette, IN and surrounding areas. Our goal is to be the general contractor of choice through our pledge to maintain the highest quality of standards and workmanship. Give us a call today to begin your next project!

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