The cost of a new roof should only cost the deductible of your homeowners insurance. In most policies this is only 1%. This cost should be discussed with the roofer you have chosen to do the job prior to the beginning the work. Homeowners can easily have to come out of pocket for additional expenses if you have not selected a roofer that knows how to get everything covered by your insurance policy. Making sure you have selected an experienced roofer that is willing to work for you and with you is key to minimizing your out of pocket expenses.