That's the way mine was. Roof leak caused damage inside the house. Insurance paid for the cleanup and restoration inside the house, but not the repair to the roof where the water came in. At least they paid for the inside work, but the repair (foundation cracked pulling one room away from the rest of the house on a bump out) and then re-roofing was $$$.

all of this is good

What is the right price per square?

Too many factors honestly depending on insurance company you have. Not every company pays for things the same way so you won’t find an exact price per square which is also why roofers don’t like to give a price up front. They quote 8k and insurance would have paid 9k and they just lost profit. In Texas nobody should ever pay out of pocket for a roof unless they try to make roof last way too long and insurance can’t find damage due to how bad roof is or they buy or install too heavy of a product where it takes racquetball or bigger hail to damage bc it happens every year but in few areas. This is why I don’t suggest impact resistant shingles although I’ve seen them damaged by 1” hail and they state they should absorb higher than that.

Interesting info. My comment was directed more to the folks who had commented they needed to know the amount of squares for the original posters roof. I thought they wanted that info to divide into $9100 to determine if the bid was in the ballpark. Your comment seems to go the other direction and state that there is no “market” price per square that builders/contractors use and that the main factor is “what the insurance company will pay”. This last legislative session really did take the competition out of the roofing business and will certainly lead to higher prices for the consumer.

My guess is that the OP has about 35 squares which equates to $260/SQ. Actually seems a little low. The roofer probably needs to tell the property owner to get a hold of his adjuster and shake him down for more money. This job ought to be worth $300/SQ!

Last roof I paid cash for was a house in northwest austin. Paid $175/SQ ($5000) in 2015. Local company here in Gatesville drove down and did it in a day and never asked to see my insurance paperwork. Hard to believe how much has changed in 6 years.

Many things determine a price. Cannot compare price per square.

I assume a lot of things were reused at $175 at sq. and it was probably 3 tab.

Factor in new solar attic fans, new chimney flashing, lead jacks instead of auto caulk- it’s hard to just go on price alone. What are you really getting with a low price? Good deals are usually not as good as they seam.

Adjuster came, said we have a few damaged shingles but not enough to warrant replacement, and not damaged enough to surpass our deductible, is there any use arguing with them? Should we ask for a second opinion? No offense to those whom are ethically engaged in the insurance business but this whole industry is frustrating. Every roofer I've had look says our roof is worn out and needs replaced, and this lady, without even getting on the roof, decides that its fine, and just needs a patch job.

What'd the roofer say as far as its condition, most should be so busy they don't have time to fart with a roof that's not going to get totaled. But a roof from 2004 should be covered in hail damage.

Who is your carrier, some nearly always take a second inspection. If she never got on your roof you need to call your agent and let it be known you filed a hail claim and the adjuster never got on the roof and denied the claim. Don't let them say the hail reports for your area don't show anything big enough to damage in the last year or it's just wear and tear. Coming from someone with a ton of experience on both sides, if there's been a hail storm and it's got hail damage, it's owed.

Look at the gutters, metal vents, awnings, ac fins, screens, fascia/siding, if all that stuff has holes or dents on it, it's on the roof.

the 1st adjusters instructions are to say no & hope you go away
if they did not get on the roof
they do not have a clue what the damage is
call your agent & explain this

That is what I found strange in San Antonio to our house. It was only 3 years old when it was hit by a hail storm. Called out the insurance guy because we saw a lot of the shingle grit/gravel the next rain come out of the downspouts. Adjuster said that 3 of the 4 sides of the hip roof had hail damage and they paid for the whole roof and gutters (minus deductible). I was kind of surprised that they paid for the whole roof with only 3/4 of it damaged and it was a fairly new roof.

Grade 4 reduces your premiums by about 25%.

Yep, I had to call one back and do the inspection with my roofer. Roofer showed him the wind damage. Lady 2 doors down took a year to get hers fixed and hired an independent engineer. She had them out 3 times. This was after every other house in neighborhood was repaired. She had Travelers.

got pictures of the roof, from the ground is fine.

if I were you and it is not leaking then wait till july for new, things will calm down, hail may still get it within the next month or so (I predict at least 3 hail storms in dfw area by end of june) and then you get new thru insurance.

replacing now is like tossin a hunnerd on 00 at the roulette wheel.

Who is insurance company. That will tell us a lot for those in the industry. I work for Farmers and we are working virtually and I hate it but roofers are helping us document the damages right now. If an adjuster came out and didn’t access the roof then absolutely request reinspection and have roofer of your choice meet adjuster there. Insurance doesn’t pay for worn out but a roof of that age should have plenty of hail damage on it in my professional opinion.

I disagree. I look at it like going on a road trip with wires showing on your tires. Why go into storm season with a subpar roof expecting it to protect likely your biggest investment. We got insurance for a reason. Also a biggie people don’t realize is if they pay you to replace it today it’s based on today’s prices and materials and labor are only going to go up the longer you wait, and the less money you’re going to have to do it. Once you pull the trigger the clock is ticking.