How Much Does a New Roof Cost in 2025?
TLDR: Roofing Costs in 2025 – What You Need to Know
2025 Roof Cost Range: Expect $14,500–$31,000 based on materials, labor, and region.
Insurance Payouts Often Fall Short: Carriers lowball—especially in storm-heavy states like Florida and Minnesota.
Material Matters: Asphalt is cheapest, slate and metal cost the most.
Public Adjusters Maximize Payouts: Shoreline ensures full damage documentation and proper code compliance.
Don’t Go It Alone: Get a free claim review in FL, MN, or WI with Shoreline Public Adjusters.
Understanding 2025 Roofing Costs: A Public Adjuster's Guide for Homeowners
Storm damage. Rising material prices. Insurance disputes. If you're wondering, "How much does a new roof cost in 2025?"—you're not alone. Whether you're dealing with hurricane damage in Florida, hailstorms in Minnesota, or snow-related wear in Wisconsin, replacing a roof has never felt more complicated or more expensive.
This article breaks down what you can realistically expect to pay for a new roof in 2025, how those numbers change depending on where you live, and what happens when insurance gets involved. There’s also a good chance your insurance company’s estimate won’t come close to what you’ll actually need to spend—and that’s where a public adjuster can make a real difference.
Here's what's inside:
Actual cost ranges you’ll see in 2025
What drives those prices up (or down)
Where insurance companies fall short
How to spot the gaps in your claim
Specific notes for Florida, Minnesota, and Wisconsin homeowners
Average Roof Replacement Cost in 2025
For most homeowners, a new roof in 2025 falls somewhere between $14,500 and $31,000. That’s a wide range—but it reflects the many variables at play: the size of your home, the type of roofing material, regional labor costs, and whether you’re paying out of pocket or filing a claim.
If you’re searching “how much does it cost for a new roof,” this section should help you anchor realistic expectations.
Common Roofing Materials and Cost per Square Foot:
Asphalt Shingles: $4.75–$6.75
Metal: $8.50–$12.00
Tile: $10.50–$18.00
Slate: $18.00–$28.00
If you're wondering specifically how much does a new shingle roof cost, plan on $12,000 to $18,000 for a standard-size home—think around 3 bedrooms, 2 bathrooms, and approximately 1,800 to 2,200 square feet.
For those curious about how much does a new metal roof cost, it’s not uncommon to see final bills from $20,000 to $35,000 or more—especially for custom profiles or standing seam installations.
Average Full Roof Costs by Region:
| State | Avg. Roof Cost (2025) | Common Damage Type |
|---|---|---|
| Florida | $16,000–$30,000 | Hurricane & wind damage |
| Minnesota | $15,000–$28,000 | Hail & ice damming |
| Wisconsin | $14,500–$27,000 | Snow load & freeze-thaw cycle |
Notably, how much does a new roof cost in Florida can swing widely depending on how close you are to the coast, local code requirements, and whether hurricane tie-downs or enhanced nailing patterns are mandated.
Prices vary even within states. In Florida, for example, stricter codes along the coast can push roofing costs 20–30% higher than in the interior.
What Makes a Roof Cost What It Does?
You can’t talk about roofing prices without unpacking the mix of components that make up the final bill. It’s more than just shingles or metal panels—it’s labor, tear-off, permits, ventilation, flashing, and disposal. The real cost of a roof lives in the details.
Roof Size and Shape
Larger roofs naturally cost more, but steep pitches and complex layouts also drive up labor hours. If the crew can’t walk your roof safely, expect to pay more for specialized harnessing or staging.
Materials Matter
Asphalt remains the most affordable and widely used option, but it also has the shortest lifespan. Metal and tile last longer and handle weather better, but you’re paying for both performance and aesthetics.
Tear-Off vs. Overlay
While some municipalities allow roofing over existing shingles, a full tear-off is usually required after storm damage. That means more labor, more dump fees, and more time—but it also ensures proper inspection of the roof deck underneath.
Building Code Upgrades
Especially in Florida, local codes may require specific underlayments, nail patterns, or ventilation systems. These aren’t optional when you’re replacing a storm-damaged roof—they’re legally required, and they cost more.
Permits, Dump Fees, and Insurance Overhead
Permitting costs vary by city, but disposal fees have jumped significantly in the last year due to tighter environmental rules. And when insurance is involved, pricing gets even trickier.
Insurance and Roof Costs: Where the Gaps Happen
Not every roofing project starts with storm damage—but when it does, insurance becomes part of the conversation. Unfortunately, insurance payouts don’t always keep up with 2025’s real-world roofing costs.
ACV vs. RCV Policies
Actual Cash Value (ACV): Only pays the depreciated value of your roof. You’re covering the rest.
Replacement Cost Value (RCV): Covers the full cost to replace the roof (minus deductible), including materials, labor, and sometimes code upgrades—if the claim is written correctly.
The difference between the two is massive, and many homeowners don’t realize their policy only covers ACV until it’s too late.
Where Estimates Fall Short
Carriers often use old pricing data from estimating software that doesn’t reflect 2025 material surges.
Missing line items are common—flashing, drip edge, ridge vents, even roof decking are frequently excluded.
Code-required upgrades (like secondary water barriers or enhanced fasteners) might be ignored if not documented properly.
These gaps can add thousands to your out-of-pocket costs. That’s why reviewing every line of your insurance estimate matters.
How a Public Adjuster Can Actually Help
Public adjusters represent homeowners—not insurance companies. They review your policy, inspect the damage, and negotiate directly with your insurer to make sure your payout reflects the full scope of the work needed.
This isn’t just about a bigger check. It’s about correcting the missing pieces. For roofing claims, that could mean:
Getting the full tear-off approved, not just a partial repair
Adding in code-compliant underlayments and ventilation
Including items like skylight reflashing or chimney flashing that insurers often overlook
Most importantly, a good adjuster understands what’s required by code in your local area. That matters—a lot. The expectations in Naples, FL are not the same as Duluth, MN or Green Bay, WI.
Regional Roofing Realities
Florida
Roofs in Florida have to handle high wind uplift and flying debris. After a storm, hidden water damage under shingles or tile is common. Many homeowners aren’t aware of Florida’s 25% Rule, which requires a full replacement if 25% or more of the roof is damaged within a 12-month period. Carriers don’t always bring this up.
Minnesota
Hail is the big concern here. Even if your roof looks fine from the ground, hail bruising can compromise the shingle’s structure. Most carriers use a standard threshold—if there are more than 6–8 hail hits per square on a slope, full replacement is usually justified.
Wisconsin
Snow loads and ice dams are the most frequent culprits. When ice backs up under the shingles, it can rot decking or leak into the attic. Claims often miss insulation upgrades or ventilation corrections that local code might now require.
One Thing to Keep in Mind
If you’ve filed a roof claim and the estimate feels low, you’re probably right to question it. It’s not about being confrontational—it’s about making sure you’re not left with the bill for something your policy should cover.
Carriers aren’t out to hand out money. Their adjusters are trained to interpret the damage one way. A public adjuster gives you another lens—one that’s aligned with your interests.
Real Questions Homeowners Are Asking
Is roofing more expensive this year?
Yes, and not just because of inflation. Labor shortages, tighter code enforcement, and material price spikes are all factors.
Can insurance deny my roof claim?
They can, and sometimes do. But denial isn’t always the end of the road. If documentation is weak or the carrier disputes causation, a public adjuster can help reopen or supplement the claim.
How long does the claim process take?
It depends. Some claims resolve in a few weeks. Others drag on for months if there’s back-and-forth. Having solid documentation and a detailed estimate from the start can speed things up.
Do I have to use their contractor?
No. You’re allowed to use any licensed contractor you choose. Insurers may recommend vendors, but you’re not obligated to use them.
So, How Much Does a New Roof Cost in 2025?
There’s no one-size-fits-all answer—but most people are looking at somewhere between $15,000 and $30,000. The real issue isn’t just what it costs—it’s who’s paying for it.
If your roof damage is storm-related, and you’ve filed a claim, make sure that estimate includes everything it should. Because partial payouts happen more than people realize, and they usually show up after work starts—when it’s too late to fix.
Public adjusters aren’t magic. But they know what to look for, what code requires, and how to push back when something’s missing. That’s what makes the difference between a claim that falls short and one that actually covers what it should.
Need Help Reviewing Your Roof Claim?
If you’ve had roof damage and want a second opinion on your insurance estimate, we’ll take a look. No pressure. No commitment. Just straight feedback from someone who knows what should be there—and what’s often missing.
Reach out to Shoreline Public Adjusters and get a free review of your claim.
Shoreline Public Adjusters, LLC
780 Fifth Avenue South
Suite #200
Naples, FL 34102Email: hello@teamshoreline.com
Phone: 954-546-1899
Fax: 239-778-9889
