A roofing supplement covers the extra costs when your roof gets damaged by storms or other covered events that your insurance may not pay for fully. Your homeowner’s insurance policy has limits, so a supplement helps you pay the difference between what insurance gives you and what the repair or replacement actually costs. This is especially important after big storms, hail, or wind damage. According to the Insurance Information Institute, hail damage cost U.S. homeowners $160 billion in reconstruction cost value in 2024. Many homeowners find they need a supplement to cover all their roof repairs without going broke.
What Does Insurance Normally Cover?
Most homeowner’s insurance policies cover roof damage from storms, wind, and hail. However, insurance companies have limits on how much they will pay. They also may only cover part of the labor cost. Your policy may have a deductible, which means you pay that amount first before insurance pays anything.
Insurance also does not cover damage from normal wear and tear or lack of maintenance. According to the Insurance Information Institute, in 2024, State Farm paid over $3.8 billion in home repairs for hail damage claims. But many homeowners still faced gaps between what they got from insurance and what repairs actually cost.
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What Does a Supplement Pay for?
A roofing supplement covers the extra money you need to finish your roof job. This includes the parts of your roof that insurance did not pay for. It can cover extra materials, labor, or upgrades to your roof system.
The supplement helps when:
- Insurance does not cover all materials
- Your roof needs to be a certain way by local building code
- You want to upgrade to a better material
- Labor costs are higher than insurance estimated
How Much Does Roof Replacement Cost?
According to RubyHome, the average roof replacement cost is $9,526, with a range from $5,868 to $13,217. However, costs can go up to $80,000 for premium options. For a 1,700 square foot roof, you can expect to pay between $6,800 and $68,000 depending on materials and labor.
Different materials cost different amounts. Here is what you might pay per square foot with installation:
| Material Type | Cost Per Sq. Ft. |
|---|---|
| Basic asphalt shingles | $4.25-$4.95 |
| Architectural asphalt shingles | $4.50-$8.25 |
| Metal roofing | $5.50-$17.05 |
| Clay tiles | $12.00-$24.75 |
When Should You Get a Supplement?
You should get a supplement right after a storm if your roof gets damaged. About 33% of homeowners replace their roofs due to storm damage, according to industry data. Do not wait too long to file your claim.
Talk to your insurance company and your roofer about what is covered and what is not. Then you can decide if a supplement makes sense for your situation.
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Connect with an experienced professional roofer to discuss your roofing needs and schedule an inspection.