Step-by-step guide

How to Read a Roofing Estimate Without Getting Ripped Off

A NM roofing estimate should list every component the crew will touch. If it fits on one page with 'complete roof replacement — $18,500,' you're being asked to sign a blank check.

The steps

What to do, in order

  1. 1

    Confirm tear-off type and layer count

    Full tear-off to deck vs. layover. NM code allows a maximum of 2 layers on most asphalt roofs. Overs are illegal and void warranties.

  2. 2

    Check decking allowance

    Look for a per-sheet OSB/plywood replacement price ($60–95). No line = you'll be surprised with a $1,500 change order mid-tear-off.

  3. 3

    Verify underlayment spec

    Synthetic (name-brand) plus ice-and-water shield at eaves, valleys, and penetrations. Felt-only jobs are red flags in NM's UV climate.

  4. 4

    Look for drip edge, starter, and ridge cap

    All three are code-required and often missing from cheap bids. Each is a $300–800 line item.

  5. 5

    Confirm ventilation math

    NM attics need 1 sq ft of net free vent area per 150 sq ft of attic. Estimate should list intake + exhaust counts, not just 'ridge vent.'

  6. 6

    Check flashings — every one

    Step, counter, chimney, skylight, wall, pipe boots. Reused flashings cause 40% of leaks I inspect. Demand new metal.

  7. 7

    Read the warranty section

    Manufacturer material warranty (25–50 yr) AND contractor workmanship warranty (2–10 yr) should both be named with document numbers.

  8. 8

    Check payment schedule and NM license #

    Never more than 30% down. Verify the CID license at cid.rld.state.nm.us. No license = uninsured job.

FAQ

Homeowners also ask

What's a fair NM roofing markup?

Reputable NM roofers run 15–25% gross margin. If a bid is 40% below the next two, they are cutting decking, underlayment, or ventilation.

How many bids should I get?

Three from licensed NM contractors, plus an independent inspector's scope of work to compare them apples-to-apples.

Are 'insurance approved' contractors safer?

Not automatically — carriers approve based on price, not quality. Check the license, insurance, and 3+ years of NM addresses.

Next step

Rather have me look at it in person?

Free NM walk-around, no sales pitch. If you want it in writing, reports start at $149.

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