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A complete roofing estimate should list materials, labor, removal of the old roof, permit costs, dump fees, and a warranty. Reputable contractors itemize each line, name the brand of shingles or membrane, and include start and finish dates in writing.

For a typical 2,000 sq ft asphalt shingle roof in 2026, expect $9,000–$16,000 installed. Metal roofing runs $14,000–$28,000. Storm damage replacements may be partially covered by homeowners insurance after the deductible.

Most residential roof replacements take 1–3 days for asphalt shingles and 3–7 days for metal or tile. Weather, complexity, and crew size all affect timing. Your contractor should give you a written start and end date.

Slate and clay tile can last 75–100+ years. Metal roofs last 40–70 years. Architectural asphalt shingles last 25–30 years, while basic 3-tab shingles last 15–20. Climate and ventilation matter as much as material choice.

Most policies cover sudden, accidental damage from storms, hail, and falling objects. Wear and tear is not covered. Document damage with dated photos before any repairs and request your insurer's adjuster inspect alongside your contractor.

Ask for their state license number, proof of liability and workers comp insurance, manufacturer certifications, written warranty terms, payment schedule, and at least three local references. Avoid contractors who demand full payment upfront.

Repair fixes a localized issue — a missing shingle, a leak around flashing, a damaged vent. Replacement removes and rebuilds the entire roof system. If repairs cost more than 30% of replacement, replacement is usually the smarter long-term value.