A new roof is one of the biggest checks most homeowners ever write, and in 2026 it's bigger than it used to be. Replacement costs are up roughly a third from just a few years ago, and a typical Blaine-area asphalt replacement now runs $12,000 to $19,000.
Here's the good news: almost nobody pays for a roof in one lump sum. There are three ways Twin Cities homeowners cover a new roof, and picking the right one can save you thousands. This guide walks through all three.
Option 1: A Storm Loss
If hail or wind hit your roof, there is an insurance question, and it is not one we can answer. Minnesota Statute 325E.66 bars a residential contractor from interpreting policy provisions, from advising an insured about coverage or about duties under a policy, and from adjusting a claim, unless that contractor is also licensed as a public adjuster. We are a roofing company. Your agent or your carrier is the correct source.
The Minnesota Department of Commerce says the first step after a loss is to call your insurance agent and report it, or the insurance company directly if you do not have an agent. Its full homeowner guidance is at mn.gov/commerce.
What we do is the roof. We get on every slope, photograph the damage, write up what we found and what is ordinary aging, and give you an itemized estimate. If you want us at the adjuster visit we will be there to answer construction questions. And Minnesota law is clear on one thing worth repeating: a contractor may not pay, waive, rebate or absorb any part of your deductible, and you should never sign anything at your door before an independent inspection.
Option 2: Financing Through Acorn Finance
For a roof you are paying for yourself, whether that is age, wear or a project you have been putting off, we offer financing through Acorn Finance. One application shows you offers from more than 30 lenders, so lenders compete for your project instead of you shopping one bank at a time.
The current program at a glance:
- Borrow up to $100,000, enough for any roof we install, with room for gutters and siding in the same project.
- Low fixed rates, so the payment you start with is the payment you keep.
- Terms up to 20 years, which lets you size the monthly payment to your budget.
- Funding in as little as 24 hours after approval, so a failing roof does not wait on paperwork.
- Checking your options does not affect your credit score. You see real offers before you commit to anything.
Rates, terms, and funding times depend on credit approval, and loans are made through Acorn Finance's lending partners. The number you finance is the number on your written quote: itemized, locked, and unchanged unless you approve a change in writing.
Option 3: Paying Out of Pocket
If you have the cash set aside, paying directly is the simplest path: no interest, no application, done. The one mistake we see cash buyers make is shopping on price alone. A quote that comes in thousands lower usually leaves something out: ice and water barrier, proper ventilation, or the tear-off itself. Compare itemized quotes line by line, not bottom line by bottom line.
Which Option Fits You?
- Storm damage in the last year? Report the loss to your agent or carrier first, which is the order Minnesota Commerce sets out, and book the free inspection so you have the roof documented either way.
- Old roof, no storm? Financing through Acorn spreads the cost into a fixed monthly payment without draining savings.
- Cash ready and roof failing? Pay directly, but only against an itemized written quote.
If you are paying cash or financing an aging roof, the first step is the free inspection with a same-day photo report. If a storm caused the damage, the first step is reporting the loss to your agent or carrier, and the inspection documents the roof after that. You will know what your roof needs and what it costs, in writing, before you decide how to cover it. Call (612) 282-8092 or book your inspection online.