Material Costs vs. Labor: The estimate often appears as a single lump sum, but it’s made up of separate line items, such as the shingles, underlayment, flashing, and installation labor.
Hidden “Add‑On” Charges: Removal of old roofing, dumpster fees, permits, and haul away services may not be broken out clearly at first glance.
Roofing companies typically add a percentage on top of their material and labor costs to cover office expenses, worker benefits, insurance, and profit. While markup is standard, and in many cases fair, it’s wise to know what’s considered reasonable (typically 10 to 20%) and question anything above that.
Scope & Exclusions: Check whether the estimate includes subcontracted work like gutter replacements, chimney flashing, or underlayment upgrades.
Warranty Terms: Coverage can vary, manufacturer’s material warranties can differ from contractor workmanship guarantees. Understand what’s voided in cases of improper installation.
Many estimates include optional items ice and water shields, ridge vents, premium shingles. These are valuable in certain climates or roof types, but it’s important to see them clearly marked so you can make informed decisions.
When gathering multiple estimates:
Apples to apples: Make sure each quote uses similar materials, labor rates, and warranty terms.
Ask for breakdowns: Dig into the material specs and labor hours.
Clarify exclusions: Look at what’s not included, such as permits, or structural repairs which could become costly surprises.
Before you hire, don’t hesitate to ask:
What specific warranties are included?
Have you itemized removal and disposal costs separately?
Did you include fees for permits or licensing?
Is the crew full‑time employees or subcontractors?
What situations could lead to additional charges mid‑project?
Before you commit:
Receive the estimate in writing, with line item clarity.
Double check materials match (e.g. thickness, grade).
Confirm labor hours and rates.
Get start and finish dates.
See a sample contract or terms of service.
Getting multiple quotes is smart, but understanding what you’re comparing is crucial. An estimate that seems cheap might omit essential work or skimp on quality. Conversely, a higher estimate may include extra protections that save you money in the long run.
By “unlocking the truth” behind roofing estimates, homeowners can negotiate confidently, avoid surprise fees, and ensure their roof stands the test of time.
Authored by Justin Coltharp, Owner of Pinnacle Roofing Group
Justin Coltharp is the Founder and Roofing Contractor at Pinnacle Roofing Group, a Central Florida roofing company built on integrity, transparency, and hands on craftsmanship. As a State Certified Roofing Contractor (CCC1332542), Atlas Diamond Select Contractor, and CertainTeed Silver Star Contractor, Justin brings expertise that fewer than 2% of roofers nationwide can match. With over 3,000 roofs installed and a 4.9 star rating backed by 450+ verified reviews, he personally reviews every roof and oversees every project: because your home deserves an owner who shows up, not one who disappears after the sale.
