Cost guide · Updated October 2026
What a new roof costs in Colorado.Straight numbers, no gimmicks.
Your price comes down to size, steepness, materials, and who’s paying: you or your insurer. Here’s how we price a roof, what moves the number, and what you’ll actually pay out of pocket.
- 4.8★ on Google160 homeowner reviews
- Insurance-claim expertsIn roofing since 2009
- Insurance & hail expertsInspection to final check
- Financing through SlicePay over time, if approved
- Licensed, Fort Collins to Colorado SpringsBased in Lone Tree
Homey price ranges
What our customers typically pay.
These are the same per-square prices our instant quote uses. Your written quote after the inspection is the number that counts.
Want a number in 2 minutes?
Get a satellite-measured price for your roof, or text us your address. Then book a free inspection for your written price.
| Owens Corning shingle (full tear-off) | Denver Metro | Colorado Springs area |
|---|---|---|
| Oakridge Architectural shingle, good value | $900 per square | $825 per square |
| Duration Our most popular upgrade | $950 per square | $875 per square |
| Duration STORM Class 4 impact-rated; ask your insurer about a discount | $1,000 per square | $925 per square |
A “square” is 100 sq ft of roof. Extra layers, rotted decking, steep or complex roofs, and gutters are priced at the inspection.
Your written quote after the free inspection is the number that counts. The instant quote above uses the same pricing.
What moves the price
Seven things that change a roof quote.
Two houses on the same street can be thousands apart. These are the reasons, roughly in order of how much they matter.
1. Size
Roofs are priced by the square (100 sq ft). A 2-story house with a simple roof can have fewer squares than a sprawling ranch.
2. Pitch & complexity
Steep roofs need extra safety gear and slow the crew down. Valleys, dormers, and skylights add labor and flashing.
3. Layers & decking
Every old layer has to come off. Rotted or damaged decking gets replaced sheet by sheet, and you only see that once the old roof is off.
4. Material
Architectural shingles are the Front Range standard. Class 4 impact-resistant shingles cost more but stand up better to hail. Metal and tile cost more again.
5. Code items
Drip edge, kick-out flashing, ventilation, and underlayment rules differ by city. See Lone Tree, Highlands Ranch, Parker, and Castle Rock.
6. Permit & HOA
Every Front Range city we work in requires a re-roof permit. HOAs like HRCA can require approval and specific products.
7. Timing
Right after a big storm, materials and crews get booked up. Getting inspected early helps you get on the schedule.
What a quote should include
Tear-off and disposal, underlayment, drip edge, flashing, vents, permit, cleanup, and the warranty in writing. If a bid leaves these out, ask why.
Red flags
An offer to “cover your deductible” (illegal in Colorado), a layover instead of a tear-off, or pressure to sign the same day.
Insurance math
If insurance is paying, here’s what you pay.
On an approved hail or wind claim, you usually pay your deductible, plus anything you choose to add beyond what the claim covers, like an upgrade to Class 4 shingles.
Check your deductible type
Many Colorado policies now use a percentage wind/hail deductible. At 1% on $500,000 of dwelling coverage, that’s $5,000. A flat $1,000 deductible is a very different number, so check your declarations page.
Replacement cost vs. actual cash value
On a replacement-cost policy, the insurer often pays in two checks: the depreciated amount first, then the “recoverable depreciation” once the work is done and invoiced. On an actual-cash-value policy, that depreciation usually isn’t paid, which can leave a big gap.
Nobody can cover your deductible
Colorado law (C.R.S. 6-22-105) bars roofers from paying, waiving, or rebating your deductible. If someone offers, your insurer doesn’t have to consider their estimate at all.
Why a full inspection matters
One Colorado Springs homeowner’s insurer first offered $2,281.80. Once the roof, gutters, downspouts, exterior paint, and fence damage were documented, the claim was approved for $58,171.79.
Every claim is different. Coverage depends on your policy and your insurer.
Financing
Paying cash for a roof? Spread it out.
Not a hail claim, or want upgrades beyond what insurance covers? We offer financing through Slice. Terms depend on credit approval.
How much does a new roof cost in Colorado?
It depends mostly on roof size (measured in squares, 100 sq ft each), steepness, how many layers come off, and the shingle you choose. We give a written, line-item price after a free inspection and measurement, so you’re not comparing guesses.
If insurance approves my claim, what do I pay?
Usually your deductible, plus anything you choose to upgrade beyond what the claim covers. Colorado law doesn’t allow a roofer to pay, waive, or rebate your deductible (C.R.S. 6-22-105).
What is recoverable depreciation?
On a replacement-cost policy, the insurer often pays the depreciated value first and releases the rest (the recoverable depreciation) after the work is done and invoiced. On an actual-cash-value policy, that depreciation usually isn’t paid. Your declarations page tells you which you have.
What is a percentage hail deductible?
Many Colorado policies set the wind/hail deductible as a percentage of your dwelling coverage instead of a flat amount. At 1% on $500,000 of dwelling coverage, the deductible is $5,000. Check your declarations page before a storm, not after.
Are impact-resistant (Class 4) shingles worth it?
They hold up better to hail, and some Colorado insurers discount premiums for them. Ask your agent what discount you’d get, and we’ll price both options so you can do the math.
Do you offer financing?
Yes, through Slice. Terms depend on credit approval.