Everything Middle TN Homeowners Need to Know About Replacing a Roof

Replacing a roof can feel like a daunting task, but with the right guidance, it becomes a manageable process. As a homeowner, you want to make informed decisions about one of the most critical parts of your home. Questions like “What are my roofing options?”, “How much will it cost?”, “Can I finance it?”, and “How do I choose the right contractor?” are all common concerns. Based on 15 years of experience helping homeowners just like you, here’s everything you need to know to tackle your roof replacement with confidence.

Roofing Options: Shingles vs. Metal

One of the first decisions you’ll face is what type of roofing system to choose. The two most common options in Middle Tennessee are asphalt shingles and metal roofing. Let’s break them down:

Asphalt Shingles

Asphalt shingles are a versatile and cost-effective option with three primary styles:

• 3-Tab Shingles

  • Price: $425–$460 per square

  • Wind Rating: 60–70 MPH

  • Hail Rating: None

  • Lifespan: 12–16 years

• Architectural Shingles (most popular)

  • Price: $470–$530 per square

  • Wind Rating: 120–130 MPH

  • Hail Rating: Class 3 & 4 available

  • Lifespan: 15–20 years

• Designer Shingles

  • Price: $700–$1,500 per square

  • Wind Rating: 120–150 MPH

  • Hail Rating: Class 3 & 4

  • Lifespan: 17–25 years

Metal Roofing

he two primary options are:

• Standard (R-Panel) Metal

  • Price: $550–$700 per square

  • Wind Rating: 130+ MPH

  • Lifespan: 25+ years (fasteners may need maintenance in 12–18 years)

• Standing Seam Metal (premium option)

  • Price: $1,100–$1,600 per square

  • Wind Rating: 140+ MPH

  • Lifespan: 40+ years

Can I Finance My Roof Replacement?

Yes! Many homeowners finance their roofing projects through:

1. Home Equity Loans (HELOCs)

2. Bank Loans

3. Direct Financing Partners

These options provide flexibility to ensure your roof replacement is affordable and stress-free.

What to Ask Contractors and Look for in Quotes

Meeting with contractors is a critical step. To make sure you're comparing apples to apples, ask the following questions:

Credentials & Coverage

• Are you licensed, bonded, and insured?

• Can you provide copies of these documents?

Workmanship & Warranties

• What are your workmanship and manufacturer warranties?

• What is the process if warranty issues arise?

Process & Timeline

• What is your lead time to start the project?

• How long will the roof replacement take?

• How do you handle debris and nail cleanup?

Property Protection

• How will you protect my AC unit, windows, gardens, and furniture during the tear-off process?

• Will someone manage the project onsite?

Technical Considerations

Roof replacements often include additional details you’ll want to clarify:

• Will drip edges, ice and water shields, and starter strips be installed?

• How many nails will be used per shingle? (Look for 4–6.)

• What ventilation system do you recommend (ridge vents, box vents, or power vents)?

• How will decking issues (like rot) be addressed?

• Are there any potential surprise costs?

By asking these questions, you’ll ensure that every contractor provides a comprehensive and comparable quote, giving you the confidence to make an informed decision.

Ready to Replace Your Roof?

If you’re planning a roof replacement in Middle Tennessee, let us help! Schedule a free in-person or phone consultation to discuss your project and get answers to your questions. Click below to get in contact and schedule a time!