If your roof is:

• Curling

• Leaking

• 20-30+ years old

• Causing insurance problems

• Hurting resale value

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Then yes.

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If it still has years left and no issues?

We’ll tell you.

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We don’t recommend replacement unless it makes sense. Read more about when it makes sense to replace vs. repair your roof.

The roofs we replace today are typically 20–30 years old.

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Those are usually 3-tab shingles. An older generation of technology.

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Today’s architectural shingles + improved underlayment + proper installation + manufacturer-backed systems can realistically last: 30–50 years (depending on maintenance and conditions)

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Longevity depends on:

• Shingle quality

• Installation quality

• Ventilation

• Weather exposure
  

Workmanship matters more than brand name alone. For a more thorough treatment, read our guide on Understanding a Roof's Lifecycle.

Sometimes. Insurance may cover replacement if damage was caused by:

• Storms

• Hail

• Wind events

• Other unexpected incidents

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Insurance does NOT cover:

• Normal wear and tear

• End-of-life replacement

If you are in the process of assessing your roof for storm damage or considering filing an insurance claim, start with a storm damage inspection.

When a roof replacement is insurance-funded (due to unexpected events like storm damage), pricing follows a different process than retail replacements.

Insurance companies use standardized estimating software and scope-of-loss documentation to determine reimbursement amounts.

Because of this:

• The final scope is often dictated by the adjuster

• Pricing may vary based on approved line items

• The homeowner’s out-of-pocket responsibility is typically limited to their deductible
  

This is one reason many roofing companies don’t publish simple “flat pricing” online. Retail and insurance-funded projects follow different frameworks. At Sun Vault Roofing, we believe in being as transparent as possible.

Are you navigating the insurance process or considering filing a roof damage claim? Read our guide to the Storm Damage Roof Insurance process.

Many homeowners finance roof replacements. A Home Equity Line of Credit (HELOC) from a local bank or credit union is a good options if you want the lowest rate and potential tax advantages. For homeowners who prioritize speed, convenience, and an entirely digital experience, we offer our own roof replacement financing options.

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We offer:

• Low monthly payment options

• Structured financing plans

• No credit impact during prequalification

• Guidance on insurance claims (if applicable)

Roofing costs have increased significantly over the past decade, and especially since 2020. This is driven by a combination of material costs, labor dynamics, and broader economic factors. Key drivers include:

• Material costs: Asphalt shingles are made from petroleum-based materials, so increases in oil prices raise manufacturing and transportation costs

• Labor shortages: Skilled labor has become more limited, increasing installation costs

• Insurance inflation: More frequent and severe storm claims have driven up insurance-related pricing and requirements

• Disposal and landfill fees: Tear-off and material disposal costs continue to rise

• Manufacturer price increases: Most major manufacturers issue periodic price increases tied to raw materials (like oil) and demand

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It’s also important to understand that pricing doesn’t always move in real time. Even if material costs stabilize, roofing prices often lag due to inventory, supply contracts, and seasonal demand.

What this means for homeowners:

• Prices tend to increase gradually over time rather than decrease

• Waiting rarely results in meaningful savings

• The best pricing decisions are based on your roof’s condition, not trying to time the market

• Decking replacement

• Flashing upgrades

• Ventilation correction

• Permit fees

• Solar removal/reinstall coordination

• Gutter integration

• Disposal fees from multiple tear-off layers

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If these aren’t clearly explained in your quote, ask why. They should all be evaluated as a part of a professional roof inspection.

Our instant estimate tool uses satellite roof measurements and real pricing data from recent roofing projects in the Madison, WI area. For most homes, the estimate is typically within 10–15% of the final price once a professional inspection confirms roof details like pitch, decking condition, and ventilation.

You simply enter your address and select your roof type. Our system measures your roof using satellite imagery and applies real pricing data from recent projects to generate an estimated price range in minutes.

No. The instant estimator provides a price range immediately with no appointment required. If you'd like a detailed proposal afterward, we can schedule a quick inspection to confirm roof details and finalize the quote.

Yes. A member of our team will typically follow up within one business day to learn more about your project goals, arrange a free on-site inspection, and answer any questions you may have. If you decide you don’t want to continue the conversation, just let us no. No pressure.

Most roofing companies prefer to provide pricing only after an in-person inspection. There are a few reasons for this:

• Roof complexity can affect pricing (pitch, layers, decking condition, etc.)

• Contractors want to confirm measurements before discussing cost

• Many companies simply follow the traditional “inspection first, price later” sales process

• Ultimately, the sad truth is that opaque pricing allows companies to charge more. We don't believe in doing that.
  

We built our instant estimator because homeowners deserve a realistic starting point before scheduling an appointment.

By combining satellite roof measurements with real pricing data from recent projects in the Madison area, we can give you a transparent estimate in minutes, then refine it later with a professional inspection if you decide to move forward.

As a local company, we believe transparency builds trust. Our goal is to help you understand the process and pricing before you ever step into a sales conversation.

Yes. Asphalt shingles are made from petroleum byproducts, so oil prices directly influence their cost.

When oil prices rise, manufacturers face higher costs for asphalt material, but also for fuel for transportation and production. These increases are typically passed through the supply chain and can raise the cost of roof replacements.

However, changes don’t happen overnight. Shingle pricing usually adjusts with a delay based on manufacturer price updates, distributor inventory, and local demand.