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Check your roof repair or replacement quote
Roofing quotes are hard to compare because so much is hidden until the old roof comes off. Check what your quote covers — and what it leaves open.
Before you spend the money, make the decision with confidence.
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The details that change a roofing price
- Repair, overlay or full tear-off — each is a different job.
- Decking: a quote should state how damaged decking will be priced if found, so the final bill isn't open-ended.
- Materials: shingle line and manufacturer, underlayment, flashing and ventilation.
- Permits, disposal and cleanup.
Storm damage and insurance claims
- If a roofer approaches you after a storm, take your time. Where licensing applies, you can check their business details with your state or local authority before signing anything.
- Read any document carefully before signing — some contractor forms may give the contractor rights over your insurance claim or payment. If you're unsure what a document means, ask your insurer or a qualified professional before signing.
Insurance: questions for your insurer, not your roofer
- This checker reviews the roofing quote only. It can't tell you whether anything is covered, and neither can a roofer — only your policy and your insurer's assessment can.
- Whether a claim is covered can depend on your policy wording, the cause of the damage, exclusions, the age and condition of the roof, maintenance, and the insurer's inspection.
- Questions to ask your insurer: Does my policy cover this cause of damage? Are there exclusions or limits that apply to my roof? What is my deductible? Is the roof settled at replacement cost or actual cash value, and does the roof's age affect that? Will you inspect before I approve work?
- If you disagree with an insurer's decision, ask them to explain it in writing and how to request a review. A qualified insurance professional or your state insurance department can explain your options.
Frequently asked questions
What should a roofing estimate include?
Scope (repair, overlay or tear-off), materials by name, how extra decking repairs are priced, permits, disposal, cleanup, a timeline and workmanship warranty terms.
Is a large upfront deposit normal for a roof?
Practices vary, and in some places local rules may limit deposits. A large deposit increases your risk if the job doesn't go ahead. Ask what it covers and get the payment schedule in writing.
Will my insurance pay for my roof?
It depends, and this checker can't determine coverage. A damaged roof isn't automatically covered — the outcome can depend on your policy, the cause and age of the damage, exclusions, your deductible and the insurer's assessment. Check your policy and ask your insurer, or confirm with a qualified insurance professional.
Should I sign with a roofer who knocks on my door after a storm?
Not on the spot. Get their details, verify them, and compare with at least one roofer you contacted yourself.
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