Property Hub

Roof decisions

Roof decisions go wrong when the quote hides scope, the insurance math hides cash exposure, or the homeowner compares bids that are not actually the same job.

Use the guides to frame the decision, then use embedded estimators and checks to find missing scope, fragile assumptions, bad incentives, and the next question to ask before signing or spending.

Roof Replacement Cost Calculator Replace My Roof Track

Plain English

What should I do about my roof?

Pick whether you need cost, repair vs replace, storm proof, insurance cash, or a quote check.

Start here: Start with roof cost if you are planning. Start with repair vs replace if there is a leak or old roof.

Quote: The price and work list someone gave you.

Scope: What work is included.

Exclusions: What the price does not include.

Proof: Photos, readings, receipts, notes, and written details.

Decision tools and guides

Roof tool

Roof Replacement Cost Calculator

Build a low, typical, and high roof range, then test roof-over, materials, installer-only, flashing, and scope-trim strategies.

Decision

Roof Repair vs Replacement Calculator

Compare age, leaks, storm damage, sale horizon, and insurance pressure before replacing the whole roof.

Insurance

Roof Insurance Deductible Calculator

Model deductible, ACV/RCV, depreciation holdback, code upgrades, and claim out-of-pocket cost.

Storm

Hail Damage Severity Estimator

Check whether hail, wind, maintenance, and adjuster evidence support a strong claim conversation.

Checklist

Roof Claim Document Checklist

Collect storm timeline, photos, policy documents, adjuster scope, contractor scope, deductible math, and supplement questions.

Measurement

Roof Square Footage Calculator

Estimate roof surface area before comparing quote size, material quantities, and labor claims.

Materials

Shingle Bundle Calculator

Check field shingles, starter, ridge cap, waste, and owner-supplied material quantities.

What people forget

The big number is only the headline. The risk is usually in layer count, decking allowance, flashing language, ventilation, roof edge details, deductible cash, and insurance scope omissions.

Compare tear-off, decking, underlayment, starter, ridge cap, drip edge, flashing, vents, cleanup, permit, and warranty as separate lines.
Check ACV vs RCV and deductible cash before assuming an insurance check pays for the job.
Collect product labels, photos, impact-rating forms, and wind documentation before final payment when discounts matter.

What makes this decision go bad

A roof decision fails when the homeowner buys the cheapest visible price while accepting hidden water-management, warranty, insurance, or deck-risk tradeoffs.

Mistake check