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Many insurance policies will not cover a roof with two layers of shingles. An additional layer of shingles increases the risk of various kinds of damage, and insurers typically won’t pay claims on a roof with an overlay. Adding a layer of shingles may even jeopardize your insurance coverage entirely, so check your policy to ensure you stay within coverage guidelines. 

Roofing material costs vary depending on the type of material you choose and whether you install it yourself or hire a roofer. Shingles are the most affordable option and cost between $70 and $400 per square, metal roofing is between $100 and $1,500 per square, and concrete tile is between $300 and $1,000 per square.

Yes, an underlayment is required for metal roofs, especially when installed over an indoor residential living space. This underlayment acts as a protective barrier between the metal roofing and the roof deck. Common materials include tar, asphalt felt, or woven synthetic polymers. Depending on local building codes, existing shingles in good condition may also suffice. A quality underlayment is crucial as it provides protection against water intrusion, improves energy efficiency through insulation, helps absorb sound, and ultimately extends the lifespan of your roof.

No, you can’t use your home’s square footage. You have to calculate your roof’s square footage, and then you may have to convert your square footage measurement to correspond with how the roofing material is measured. For instance, some roofing is sold in “squares,” which equals the total square footage of the roof divided by 100. Shingles are sold in bundles that may not correspond to the number of squares you need. Metal roofing is sold as sheets, so determine the amount of square feet each panel will cover and then divide the total square footage by the coverage area.