Most Montgomery County homeowners pay $9,500-$20,000 to replace an asphalt shingle roof in 2026 (about $14,700 on average). Here is what drives the price, how long it lasts, and whether insurance helps.

Yes — Maryland policies generally cover roof hail damage, but ACV vs. RCV coverage can swing your payout from about $1,000 to $9,000. Here's how coverage, costs, and claim deadlines work.