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A roof replacement is one of the largest home improvement investments most Wisconsin and Minnesota homeowners will ever make, and it almost always comes at an inconvenient time.
Whether your roof is showing its age after two decades of Midwest weather or a spring hailstorm has just accelerated your timeline, the questions remain the same: how much will a roof replacement cost, and how do I plan for it?
Krumm Exteriors has been replacing roofs across Wisconsin and Minnesota for over 20 years, and we walk homeowners through this conversation every single day. Here is a simple guide to help you budget for a roof replacement.
What Affects Roof Replacement Cost
No two roof replacements cost the same, and understanding what drives the price makes it much easier to evaluate estimates and make a confident decision. The main factors include:
Roof Size and Complexity
Cost is calculated by the square foot, so larger roofs cost more. Roof complexity matters too. A simple gable roof with one or two planes installs faster and with less material waste than a complex roofline with multiple valleys, dormers, hips, and penetrations. Every additional feature adds labor and material time.
Roofing Material Costs and Options
Asphalt shingles are the most common and most affordable option, but there is a wide range within that category. Standard three-tab shingles sit at the lower end of the cost spectrum. In contrast, architectural and premium shingles from manufacturers like Owens Corning and CertainTeed cost more upfront and deliver better performance, longer warranties, and stronger wind and impact ratings. Metal roofing carries a higher initial cost but offers exceptional longevity. The right material depends on your budget, your home, and how long you plan to stay.
Decking Condition
When old shingles come off, the decking underneath may need repair or replacement. Rotted or damaged sections are not always visible before removal, so including a contingency for decking repairs in your budget is a smart move.
Removal and Disposal
Tearing off the existing roof and hauling away the old material adds to the overall cost. Some older roofs have multiple layers of shingles, which increases the time required for removal and the weight of the disposal.
Flashing and Accessories
Replacing flashing around chimneys, skylights, and vents, along with ridge vents, drip edge, and underlayment, adds to material costs but is an important part of a complete, properly installed roofing system.
How to Save on a Roof Replacement
A roof replacement is a major investment, but there are smart ways to manage costs without compromising quality.
- Address issues early before damage spreads
- Choose materials based on long-term value, not just price
- Bundle work (gutters, ventilation) to reduce labor costs
- Work with a contractor who provides accurate estimates upfront
Building a Realistic Roof Replacement Budget
A few practical steps make the budgeting process much less stressful:
Start With a Professional Inspection
Krumm Exteriors offers free roof inspections to assess your roof’s current condition and provide an honest picture of what the project entails before any money changes hands. This is the most important first step, because a quote built on a real inspection is far more accurate than a ballpark number.
Get a Detailed Estimate
A trustworthy roofing contractor provides a written estimate that clearly breaks down materials, labor, removal, and any additional work. If an estimate is vague or unusually low, that is worth paying attention to. Storm chasers and out-of-town crews who blow through after a hail event are notorious for low estimates that balloon mid-project or disappear entirely before the work is warranted.
Plan a Contingency
Adding 10 to 15 percent to your budget for unexpected decking repairs or additional flashing work is standard practice for any responsible homeowner planning a roof replacement.
Explore Financing Options
Many homeowners choose to finance a roof replacement rather than pay out of pocket. Inquiring about available financing programs with your contractor early in the process provides you with more flexibility when making material choices.
Does Insurance Cover Your Roof Replacement?
If your roof was damaged by hail, wind, or another covered storm event, your homeowners’ insurance policy may cover part or all of the replacement cost, minus your deductible. Krumm Exteriors works directly with insurance companies, providing the necessary documentation, estimates, and reports to streamline the claims process and ensure you receive the coverage you are entitled to.
If you are unsure whether your damage qualifies, a free inspection is the right starting point. We assess the roof, identify storm-related damage, and help you understand your options before you contact your insurer.
Why Your Contractor Choice Matters as Much as Your Budget
A roof replacement is only as good as the crew that installs it. Materials from Owens Corning and CertainTeed all come with manufacturer warranties, but most of those warranties require certified installation to remain valid.
Krumm Exteriors is an Owens Corning Preferred Roofing Provider and an authorized CertainTeed installer, which means the warranties on your materials are fully protected.
We are also local. We have been here for over 20 years and will be here long after your roof is installed. If we see you on the sidewalk, we will shake your hand and ask about the family rather than cross the street. That kind of accountability produces better work and better service.
Before your project begins, our team walks you through everything to expect, including how to prepare your property:
- Move outdoor furniture and vehicles away from the work area
- Secure pets indoors or away from the site
- Ensure clear access to your roof and attic if needed
- Let neighbors know work is coming to avoid any inconvenience
We take care of the rest. Schedule your FREE roof inspection today.
Roof Replacement FAQs
How long does a roof replacement take?
Most residential roof replacements are completed within one to two days, depending on the roof’s size and complexity, as well as the materials being installed. Krumm Exteriors provides a clear timeline with every estimate so you know what to expect before work begins.
How do I know if I need a full replacement or just a repair?
A free inspection is the most reliable way to answer that question. Factors such as the age of the roof, the extent of damage, and the condition of the decking all influence whether repair or replacement is the recommended course of action. We give you an honest assessment, not a sales pitch.
Can I stay in my home during a roof replacement?
Yes. Roof replacements are completed from the exterior and do not typically require you to vacate your home. It will be noisy during the work, so planning around any appointments or remote work calls is advisable. However, daily routines are generally not disrupted.
What warranty comes with a Krumm Exteriors installation?
Warranty coverage varies by material and manufacturer, but as certified installers for Owens Corning and CertainTeed, our installations qualify for full manufacturer warranties. Krumm Exteriors also backs all workmanship with its own craftsmen guarantee, meaning any installation issue is resolved at no charge.
What is the most expensive part of a roof replacement?
Labor and material costs make up the majority of the expense, with materials like premium shingles or metal roofing significantly increasing the total. Complex roof designs and necessary decking repairs can also drive costs higher.
