What Is the Most Expensive Part About Replacing a Roof?

​Thinking about replacing your roof?

​Learn which parts of a roof replacement drive the cost the most — from materials and labor to decking and insurance factors.

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Roof Replacements: Where Does the Cost Really Come From?
Replacing your roof is one of the biggest home expenses you’ll face as a homeowner. While prices vary by size, location, and materials, understanding what makes up the bulk of the cost can help you plan — and possibly save money.

Let’s break down the most expensive parts of a roof replacement and what affects the total price.

1. The Roofing Material Itself
The type of roofing material you choose is usually the biggest cost factor. Each has a different price per square foot — and the choice often comes down to your budget, climate, and aesthetic preferences.
Here’s a quick breakdown of common materials:

• Asphalt shingles: Most affordable and common option; costs range from $4–$7 per square foot.
• Metal roofing: Durable and energy-efficient but more expensive, averaging $8–$14 per square foot.
• Tile or slate: Long-lasting and visually stunning but can run $15–$25+ per square foot due to weight and specialized installation.

💡 Tip: Always consider long-term value — not just the upfront cost. A pricier roof may last decades longer and improve your home’s resale value.

2. Labor and Installation
Labor often accounts for 40–60% of the total cost. Roofing is skilled, time-intensive work that includes:

• Removing the old roof
• Repairing or replacing damaged decking
• Installing new underlayment, flashing, and shingles
• Cleanup and disposal

The more complex your roof (multiple slopes, chimneys, or skylights), the higher the labor cost. Roofers also charge more for steep or hard-to-access roofs due to increased risk and setup time.

3. Roof Decking and Structural RepairsIf your roof decking (the wood layer beneath the shingles) is damaged by rot or moisture, it must be replaced before new shingles go on. Decking repair can quickly add $1,000–$3,000 or more, depending on the extent of the damage.
Neglecting to replace compromised decking can lead to future leaks and more expensive repairs — so it’s worth doing right the first time.

4. Underlayment, Flashing, and Ventilation
While less visible, these components are essential for protection and performance:

• Underlayment: The moisture barrier between your roof and decking.
• Flashing: Metal seals that prevent water from entering around chimneys, skylights, and vents.
• Ventilation: Proper attic ventilation extends your roof’s life and improves energy efficiency.

High-quality materials in these areas cost more upfront but prevent costly water damage and reduce insurance claims later on.

5. Disposal and Permits
Don’t forget the hidden costs:

• Tear-off and disposal fees for old shingles, typically $500–$1,000
• Building permits, required by many cities, often cost $200–$500
• Dumpster rental or cleanup fees for larger projects

6. Insurance and Deductibles
If your roof replacement is due to storm damage, home insurance may cover some or all of the cost — minus your deductible.
However, coverage can vary based on factors like:

• The age of your roof
• The type of damage (hail, wind, or wear and tear)
• The policy form (replacement cost vs. actual cash value)

💬 Tip: If you’re unsure what your home insurance covers for roof damage, your Corin Insurance agent can help review your policy and walk you through the claim process.

The Bottom Line
The most expensive part of replacing a roof typically comes down to materials and labor, but structural issues or decking repairs can quickly raise costs. The best way to avoid surprise expenses is to get a detailed estimate from a reputable roofer — and keep your home insurance up to date in case of storm damage.
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At Corin Insurance, we help homeowners protect one of their most valuable assets — their roof. From coverage reviews to claim assistance, our goal is to make sure you’re never caught off guard by unexpected repair costs.

Disclaimer: This article is for informational purposes only and does not replace professional roofing or insurance advice. Coverage varies by policy and carrier. Please contact a licensed Corin Insurance agent for personalized guidance on your home insurance options.