U.S. Roof Replacement Costs Surge 33% Despite Fewer Claims
Event summary
- Average U.S. residential roof replacement costs jumped 33% in 2025, reaching $17,631.
- Repair costs climbed 25% compared to the prior four-year average.
- Severe hail impacted more than 20% of roofs in 16 U.S. states in 2025, up from 12 in 2024.
- 38% of U.S. residential homes had moderate to poor roof condition as of 2025.
- Roofing material costs increased 1.48% in 2025, outpacing labor cost growth of 0.79%.
The big picture
Verisk's 2026 U.S. Roof Report highlights how persistent weather risks and aging roof stock are driving increased costs and volatility in the U.S. insurance, construction, and housing markets. Roofing claims represent around 30% of all property claims, making these trends critical for industry stakeholders. The report underscores the need for better risk assessment and preparation for more resilient recovery.
What we're watching
- Risk Management
- How rising roof replacement costs will affect insurance underwriting and pricing strategies.
- Weather Patterns
- Whether the geographic concentration of severe hail will continue to shift.
- Construction Costs
- The pace at which roofing material costs will continue to outpace labor costs.
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