Skip to main content
Roof Value

Does a New Roof Add Value to a Home?

Yes, but it gets back part of what it costs, not all. The 2025 Cost vs. Value Report found new asphalt shingle roofs recoup 67.5 percent of their cost at resale nationally and 69.9 percent in its South Atlantic region. In Florida, roof age and wind features also affect insurance.

A new roof rarely pays for itself at resale, but it can make a sale and an insurance quote easier. Here is the data.

Licensed & InsuredFlorida CCC1331076
4.7 stars65+ Google reviews
10 yearsFlorida-licensed
2,000+Roofs completed
The data

Does a new roof add value to a home?

Yes, but it gets back part of its cost at resale, not all of it. The 2025 Cost vs. Value Report puts asphalt shingle roof replacement at 67.5 percent nationally.

Who measures this: the Cost vs. Value Report, published by Journal of Light Construction. What it does: it compares average costs for 28 remodeling projects with the value those projects retain at resale in 119 U.S. markets. When: this is the 2025 edition. Where: it reports national figures and by region.

The number to read is "cost recouped." It is the share of the job cost that shows up as added resale value. A roof that recoups 67.5 percent returns about 67 cents of every dollar spent, as an average across the report's markets. It is not a promise for your home.

Roof replacement, 2025 Cost vs. Value Report: share of cost recouped at resale
Roof typeNationalSouth Atlantic region
Asphalt shingles67.5%69.9%
Metal50.1%56.5%

Two cautions. The South Atlantic region in the report is a group of markets, not Florida alone, so treat 69.9 percent as a regional guide. And the report is about resale value. A new roof also changes what it costs to insure and sell the home, which the next sections cover.

Metal recoups a smaller share of its cost than shingles in this report. That does not make metal a bad choice. A metal roof costs more up front, lasts longer and has other benefits. See metal roof cost in Florida and shingle roof cost in Florida for the price ranges, and best roofing material for Florida homes for the trade-offs.

Is your roof helping or hurting?

Coastline can inspect the roof and send a written photo report showing its condition, so you know where it stands before you list or renew. Coastline Roofing works all over Florida (license CCC1331076).

Call (941) 896-7793 or text your town and a photo.

Florida angle

Why does a new roof matter more to Florida buyers and insurers?

In Florida, roof age and wind features affect insurance, and insurers must offer discounts for some roof features.

Florida Statute 627.0629(1) says residential property insurance rate filings must include actuarially reasonable discounts, credits or other rate differentials for homes with fixtures or construction techniques that reduce windstorm losses. The statute lists roof covering performance among them. It does not name an amount, and each insurer files its own rates. Your policy and your insurer decide what you pay and what you are offered. This is general information, not insurance advice.

The state wind mitigation form (OIR-B1-1802) is how those features get verified. It records each roof covering by its permit application date, product approval number or install year. A recent permit and a clean record answer the question quickly. Our guides cover the details: does a new roof lower insurance in Florida, roof too old for insurance and roof age limits for Florida insurance.

Roof replacement also brings the home up in one specific way. When a site-built single-family home is reroofed, Florida Statute 553.844(3)(a) requires roof-deck attachment to be strengthened or corrected and a secondary water barrier added. That work is under the covering, where a buyer cannot see it.

Factors

What changes how much value a roof adds?

The report's average hides a lot of difference between homes.

The roof material

Shingles recoup a larger share of cost than metal in the 2025 report, nationally and in the South Atlantic region. Material also changes lifespan and price. See best roofing material for Florida.

How old the old roof was

A roof near the end of its life can hold back a sale or an insurance quote. A newer roof removes that question. See how long roofs last in Florida.

Permit and paperwork

The wind mitigation form asks for the permit date or install year of each roof covering. A permit and an invoice on file give a buyer an easy answer.

Insurance features

Roof covering performance is one of the features Florida insurers must consider for discounts under 627.0629. Your insurer sets what applies to your home.

Wind features under the covering

On a reroof, Florida law asks for roof-deck attachment to be strengthened and a secondary water barrier added on site-built single-family homes (553.844(3)(a)).

Style and color

Roof color can change how a home looks to buyers. See what color roof adds home value in Florida.

Reading the number

What can the percentage tell you, and what can it not?

It tells you the average share of cost that buyers gave back across the report's markets. It cannot tell you what your own sale will bring.

The Cost vs. Value Report averages across 119 markets. A home in Manatee County sits in a different market than a home in another state. Prices, buyers and insurance costs all differ from one market to the next, and the report averages them. Treat 67.5 and 69.9 percent as a starting range, not a forecast. Ask a local agent what roofs of different ages are doing to offers in your neighborhood, and ask your insurer what roof age it accepts.

The percentage also leaves things out. It measures resale value against job cost. It does not measure a failed insurance inspection, a buyer who walks because the roof is near the end of its life, or water coming through a ceiling. Those costs are real, even when no report counts them. A leaking roof can also damage the rooms below it. See what to do when your roof is leaking and roof deck damage.

A better way to use the report is as one input. The other inputs are the age and condition of your roof, what your insurer says, how long you plan to stay, and the quote in front of you. If you plan to stay for years, the roof protects the home you live in. If you plan to sell soon, the percentage and the insurance answer matter more.

Selling

Should you replace the roof before you sell?

Replace it when the roof is old enough to hurt a sale or an insurance quote. Skip it when the roof is sound and you can fix small things.

The report gives a number for what a roof returns, but it cannot tell you whether replacing is the right move for your sale. These questions help you decide:

  1. How old is the roof, and what shape is it in?

    Find the age first. Our guide on how to find out how old your roof is shows how. Then get an honest look at its condition.

  2. Will the buyer's insurer accept it?

    Roof age is a common sticking point in Florida. Our roof too old for insurance guide explains. Your insurer sets its own rules.

  3. Would repairs do?

    A few missing shingles is not a replacement. A written photo report shows whether the roof needs repair or replacement. See signs you need a new roof.

  4. What does it do to your taxes?

    IRS Publication 523 lists a new roof as an improvement that adds to your home's basis, which can lower taxable gain on a sale. See is a new roof tax deductible. This is general information, not tax advice.

  5. What will it cost?

    Our cost guides give price ranges: roof cost per square and roof cost by house size.

Our full guide on replacing your roof before selling in Florida goes into more detail, and roof replacement covers how a full replacement works.

Reviews

What homeowners say about working with Coastline

★★★★★
"From beginning to end the roof was done in 2 days. One night the crew stayed until 8:00. Each evening before leaving the crew ensured the yard was cleaned. We are so happy, and our roof is beautiful!"
Sharon T.Roof replacement
★★★★★
"Russell was great to work with. He was prompt in coming out to assess our roof and very knowledgeable. ... The job was complete in 2 days once work began."
Bryan S.Roof replacement
★★★★★
"Josh was especially amazing. He was professional, patient, and took the time to explain everything clearly so I felt comfortable and informed throughout the entire process. You can tell he genuinely cares about his customers and takes pride in his work."
Madison T.Roofing customer
FAQ

More questions

What does "cost recouped" mean?

It is the share of a project's cost that shows up as added resale value. In the 2025 Cost vs. Value Report, asphalt shingle roof replacement recoups 67.5 percent nationally. That is an average across 119 markets, not a promise for one home.

Does a metal roof add more value than shingles?

In dollars, metal roofs have higher job costs and higher resale values in the report. As a share of cost, metal recoups less: 50.1 percent nationally and 56.5 percent in the South Atlantic region, against 67.5 and 69.9 percent for shingles.

Will a new roof lower my insurance in Florida?

It can. Florida Statute 627.0629 requires insurers to include discounts or credits for wind-reducing features in their rate filings, and it lists roof covering performance. Each insurer files its own rates, so ask your insurer what applies to your home.

Does a roof permit matter when I sell?

It helps. The state wind mitigation form asks for each roof covering's permit application date, product approval number or install year. A closed permit and an invoice answer the roof age question for a buyer or insurer.

Should I fix the roof or replace it before listing?

It depends on age and condition. A few missing shingles is a repair. An old roof with wide wear may hold back a sale or an insurance quote. A written photo report shows which one you have. See our guide on replacing your roof before selling in Florida.

Get your roof's condition on paper

Coastline will inspect the roof and send a written photo report, so you have a straight answer before you list, renew or replace.

Call Text