Replacing your roof is one of the most important investments you’ll make as a homeowner. Whether dealing with storm damage, old shingles, or simply planning, understanding the costs can help you budget wisely and avoid surprises.

At Wabash Valley Exteriors, we want homeowners to feel confident in their roofing decisions. Here’s a breakdown of the key cost factors to consider when budgeting for a new roof.

Roof Size and Design

The size of your roof is one of the most significant factors affecting cost. Roofing is typically priced “per square,” which equals 100 square feet. A larger roof means more materials and labor. But it’s not just about square footage, complex rooflines with dormers, steep slopes, valleys, and multiple levels will require more time, skill, and materials, increasing your final price.

Roofing Material 

At Wabash Valley Exteriors, we specialize in asphalt shingle systems, the most popular and cost-effective choice for Indiana homeowners. Here’s a quick overview:

• 3-Tab Asphalt Shingles: Affordable and functional, with a straightforward look and a lifespan of 15–20 years. 
• Architectural Shingles: A step up in appearance and durability, often lasting 25–30+ years with better wind resistance. 

While premium roofing materials like tile, metal or wood shakes exist, they’re uncommon in Indiana and generally not recommended for residential use in our area. 

Tear-Off vs. Layover

Are you replacing your entire roof or installing new shingles over the old ones?

• Tear-Off: This is the recommended method. It involves removing old shingles before installing the new ones. This allows us to inspect the decking underneath, make necessary repairs, and ensure better performance and longevity. 
• Layover (Roof-Over): While cheaper upfront, this method isn’t always allowed and can lead to hidden issues down the road. 

We always inspect your current roof system and recommend the best approach for long-term results.

Decking Repairs and Structural Surprises

Sometimes, once the old shingles come off, we discover rotted decking or water damage. Replacing plywood or fixing framing adds to the final bill, but ignoring it would compromise your new roof.

Building a small contingency into your budget (10–15%) helps account for these unforeseen repairs.

Labor and Installation

Labor costs vary depending on roof complexity, pitch, height, and accessibility. Our roofing crews are fully licensed and insured, so we follow strict safety practices and workmanship standards. You’re not just paying for materials—you’re paying for experienced professionals who do the job right the first time.

Permits and Local Requirements

Many cities and counties in Indiana require permits for roof replacement. These fees vary depending on your location, and Wabash Valley Exteriors handles the permitting process. If you live in a neighborhood with a Homeowners Association (HOA), check if they have specific roofing guidelines or approval steps.

Clean-Up and Disposal

Disposing of old roofing materials, nails, and debris takes time and equipment. We include dumpster rental and jobsite cleanup in our estimates, so you’re not left with a mess or surprise fees.

Additional Budget Considerations

• Ventilation Upgrades: Proper ventilation extends the life of your roof and reduces attic moisture. This may require ridge vents or additional intake vents. 
• Ice & Water Shield: Especially important in Indiana, this membrane protects vulnerable areas like eaves and valleys from water intrusion. 
• Warranty Options: Material warranties typically come from the manufacturer, but we also back our work with a workmanship guarantee. 

Tips to Stay Within Budget

• Request 2–3 detailed quotes and compare what’s included, not just the bottom line. 
• Ask for line-item estimates to understand what you’re paying for. 
• Choose a contractor who’s transparent and upfront about potential extra charges. 
• Plan, especially during storm season, when demand can increase prices. 
• Ask about roof financing options or payment plans to spread out the cost. 

Why the Right Contractor Matters

Choosing a local, experienced roofing contractor is the best way to stay on budget and avoid problems. Wabash Valley Exteriors has helped homeowners across Lafayette and surrounding Indiana communities get quality roofing work backed by real service and accountability.

We don’t believe in one-size-fits-all estimates; every home is different, and every project deserves personal attention.

Final Thoughts

Budgeting for a new roof doesn’t have to be overwhelming. When you understand the cost factors and work with a transparent contractor about the process, you can make smart decisions that protect your home and investment.

Need a quote?
Contact Wabash Valley Exteriors today to schedule a free inspection and estimate. We’ll explain your options and help you create a roofing plan that fits your budget and goals.

Schedule Your Free Roof Inspection Today