How Much Does a New Roof Cost
in Maryland? An Honest Answer.
Most Southern Maryland homeowners pay between $9,500 and $20,000 for a full roof replacement in 2026. What you actually pay depends on your home's size, pitch, existing layers, and the system you choose. This guide gives you real numbers from real JDH projects — not national averages applied to your zip code.
We inspect before we quote — no surprises after tearoff
Permits, Deck Defense underlayment & DuraRidge included
Factory-trained crews. 50-year limited warranty available.
We recommend repair when it's the right call — even if it pays less
What Does a Roof Replacement
Actually Cost?
In Southern Maryland, most homeowners pay between $9,500 and $20,000 for a full asphalt shingle roof replacement in 2026. Townhomes typically run $5,500–$8,500. A standard two-story colonial averages $9,500–$15,000. Larger or more complex homes run $15,000–$20,000 or more. Your exact number depends on pitch, number of existing layers, decking condition, and the system you choose — all of which JDH documents during a free forensic inspection before quoting.
| Home Type | 2026 Price Range | Typical Profile | What This Includes |
|---|---|---|---|
| Townhome / Smaller Cape Cod | $5,500 – $8,500 Most in this range: ~$6,800 | Single-story or low-pitch. Straightforward roofline. One or two facets. Common in older Calvert County neighborhoods and Waldorf-area townhome communities. | Full tearoff (one layer), OC Duration® shingles, Deck Defense® synthetic underlayment, DuraRidge® ridge cap, drip edge replacement, permit, dumpster. |
| Average 2-Story Colonial | $9,500 – $15,000 Most Southern Maryland homes | The most common home type JDH services in Calvert, Charles, and St. Mary's Counties. Typically 2,000–2,600 sq ft of roof surface. Standard pitch. Half-acre lot. | Full tearoff, OC Duration® system, ice & water shield at eaves and valleys, Deck Defense® underlayment, DuraRidge® ridge cap, drip edge, permit, full cleanup. |
| Large / Complex / Custom Home | $15,000 – $20,000+ Varies significantly by scope | High pitch (8/12+), multiple facets, dormers, skylights, or waterfront coastal exposure. Common on larger lots in Huntingtown, Chesapeake Beach, Solomons, and Point Lookout-area properties. | All of the above plus enhanced fastening for high-pitch or coastal exposure, additional flashing work at penetrations, and OC Platinum system upgrades available. |
These ranges are based on actual JDH projects completed in Calvert, Charles, St. Mary's, Anne Arundel, and Prince George's Counties between 2024–2026. They are not national averages applied to Maryland zip codes. Your exact quote depends on conditions found during a forensic inspection — specifically pitch, layers, and decking condition. If another contractor quoted significantly outside these ranges in either direction, schedule a second opinion.
What Moves Your Number Up or Down
Every variable below is assessed and documented before we price your job.
Steep Pitch
Roofs 8/12 and steeper require safety harnesses, slower installation, and more labor time. Adds 15–30% to the labor component.
Increases CostTwo-Layer Tearoff
Maryland code allows a maximum of two layers. If yours already has two, both must come off. Adds $800–$1,500 in labor and disposal. Roughly 40% of pre-2000 homes in Calvert and St. Mary's Counties have two layers.
Increases CostDecking Damage
Southern Maryland's Bay humidity degrades OSB decking faster than drier inland markets. About 30–35% of JDH replacements require at least partial decking work. Documented before tearoff — never a post-tearoff surprise.
Increases CostRoof Complexity
Dormers, valleys, skylights, chimneys, and multiple roof planes each require additional flashing and slow installation. A hip roof with three dormers is significantly more labor-intensive than a simple gable.
Increases CostCoastal Exposure
Homes within two miles of the Chesapeake Bay or Patuxent River require enhanced fastening, stainless drip edge, and coastal-rated systems. Adds $1,000–$3,000 depending on proximity and exposure.
Increases CostSimple, Walkable Roof
A straightforward gable, 4/12–6/12 pitch, one existing layer, solid decking, and no dormers or skylights is the most efficient installation profile. If this describes your home, you're at the lower end of the range for your home type.
Reduces CostWhat You Actually Get
for $14,900
This is a real JDH project completed in Prince Frederick, MD. Real scope. Real system. Real final number — not a range.
Prince Frederick, MD — Two-Story Colonial
This homeowner contacted JDH after noticing granule buildup in the gutters following a storm. Our forensic inspection confirmed the roof was at end of serviceable life: 18-year-old shingles with advanced granule loss, compromised nail zones, and soft decking at two valley transitions.
The project was priced as a fixed-cost replacement before tearoff — including the partial decking repair. The homeowner knew the exact number before we arrived on installation day. No post-tearoff add-ons.
We installed the full Owens Corning Platinum System: Duration® shingles, Deck Defense® synthetic underlayment, WeatherLock® ice & water shield at all eaves and valleys, DuraRidge® hip and ridge cap, and VentSure® ridge ventilation. Drip edge replaced on full perimeter. Calvert County permit pulled, inspected, and closed.
Total project time: one day. Crew on-site by 7:30 AM. Final cleanup and magnet sweep complete by 4:45 PM.
Shingle Age & Wear
18-year-old shingles. Advanced granule loss on south-facing slopes. Tabs beginning to cup. End of serviceable life confirmed.
Decking Condition
Two valley transition zones showed soft spots from moisture intrusion. Documented and priced into the fixed quote before tearoff — no surprises.
Layer Count
One existing layer confirmed — no second-layer tearoff surcharge. Single tearoff keeps total cost at the lower end of the range for this home type.
Ventilation
Existing ridge vent partially blocked. Addressed during installation with new VentSure® system — included in the quoted price.
Want a number like this for your home?
Every JDH quote is built the same way this one was — forensic inspection first, fixed price before tearoff, named products on every line. No ranges. No post-tearoff surprises.
Everything in Your Quote.
Nothing Added After Tearoff.
The most common complaint homeowners have after a roof replacement is a price that changed once the crew pulled the old shingles off. JDH quotes are fixed. Every line item below is included in your price before we start — documented in writing, not discovered mid-job.
| Line Item | What It Is & Why It's In Every Quote | Status |
|---|---|---|
| OC Duration® Shingles | Our standard shingle — Owens Corning Duration® architectural shingles with SureNail® Technology for 130 MPH wind resistance. Never builder-grade. Never an unlabeled substitute. The brand and product are named on every quote. | Always Included |
| Deck Defense® Underlayment | Owens Corning Deck Defense® synthetic underlayment — not felt paper. Synthetic is non-absorbent, stronger, and required for OC warranty compliance. Competitors often substitute generic felt at a lower cost and don't tell you. | Always Included |
| DuraRidge® Ridge Cap | Owens Corning DuraRidge® — a purpose-built high-profile ridge cap shingle, not cut-down three-tabs. The ridge is the most wind-exposed point on your roof. DuraRidge is thicker, wider, and engineered specifically for this location. | Always Included |
| Ice & Water Shield | Self-sealing waterproof membrane installed at all eaves, valleys, and roof penetrations. Required by Maryland residential code. Prevents leak paths that develop during freeze-thaw cycles common in Calvert and Charles Counties each winter. | Always Included |
| Drip Edge Replacement | New metal drip edge on all eaves and rakes — not a reuse of existing flashing. Drip edge protects the wooden fascia from rot by directing water into the gutter. Skipping new drip edge is one of the most common cost-cutting moves on cheap bids. | Always Included |
| Permit & Inspection | JDH pulls the permit and handles the county inspection. Always. In Maryland, a roof replacement without a permit is the homeowner's liability — not the contractor's. If the low bid "doesn't include the permit," you are taking on that legal exposure yourself. See our Calvert County and Charles County process for permit details. | Always Included |
| Full Tearoff & Dumpster | Complete removal of all existing shingles and haul-away. Dumpster on-site for the duration. Property protected with tarps and magnetic nail sweep at completion. Your yard is left cleaner than we found it — this is a written commitment, not a verbal promise. | Always Included |
Your Quote Is
Your Final Price.
We conduct a forensic inspection before every quote — not after tearoff. Deck condition, layer count, pitch, and penetrations are all documented in writing. That is why our price doesn't change.
What the $6,000 Quote Leaves Out
- Felt paper instead of synthetic underlayment — saves ~$400, voids the OC warranty, and fails faster in Bay humidity
- Cut-down three-tab shingles used as ridge cap — thinner, not wind-rated for ridge application, fails at the most exposed point
- Existing drip edge reused — saves ~$200, leaves rusted metal and fascia rot exposure
- No permit pulled — saves $150–$400, puts the legal liability on the homeowner
- No ice & water shield at valleys — skipped on "simple" roofs, creates the leak path that shows up in year three
The Products We Name on Every Quote
Not generic descriptions — specific brand and model, in writing, before work begins.
The $8,000 Bid Isn't
the Same Product.
When you compare roofing quotes, you're not just comparing prices. You're comparing who shows up, what they're trained to install, and whether the warranty they promise will actually be honored. Here's what that difference looks like in practice.
JDH Employees — Not Subcontractors
Every crew member on a JDH job is a direct JDH employee, not a day-labor subcontractor hired off a board for your specific job. The same crews who showed up on yesterday's job are showing up on yours. They know the system, they know the standard, and they know their work will be inspected by the same company that trained them.
Owens Corning Certified Installation
JDH holds Owens Corning Platinum Preferred contractor status — the top 1% of OC contractors nationwide. That designation requires factory-trained, certified crews on every installation. It's not a marketing badge; it's a prerequisite for the Platinum warranty to be issued. An uncertified installer voids the warranty before the first shingle is nailed.
HAAG-Certified Forensic Inspection
Before any crew touches your roof, a HAAG Master Inspector documents existing conditions — shingle age, granule loss, fastening pattern, decking integrity, flashing condition, ventilation. This isn't a sales visit. It's a forensic assessment that determines exactly what scope of work is warranted and eliminates post-tearoff pricing surprises.
Three Generations. One Standard.
JDH Remodeling has been operating in Southern Maryland since 1986. Third-generation family ownership means the person whose name is on the truck is the person accountable for your roof in 10 years — not a franchise operator or an out-of-state claims office. When you call with a warranty question, Jim Dodson answers.
Why Certification Controls the Warranty
Available through any installer. No certification required. Prorated after year 10. Does not cover workmanship.
Requires full OC system installation — all six components. Non-prorated. Preferred contractor required.
Requires Platinum Preferred contractor status. Covers both materials and workmanship. This is what JDH installs on every job that qualifies.
The warranty you're quoted is only as good as the contractor issuing it. A non-certified installer cannot issue OC Platinum coverage — regardless of what their estimate says. Always ask for the contractor's OC certification number before signing. JDH's is on file with Owens Corning and available on request.
What OC Platinum Certification Actually Requires
Most homeowners don't know these standards exist. Now you do.
| Requirement | What It Means in Practice | Why It Matters to You |
|---|---|---|
| Factory Training | Crews must complete OC-administered installation training and pass certification testing — not just watch a YouTube video on nail placement. | Correct fastening pattern, nail depth, and shingle alignment are the difference between a 50-year roof and a 15-year roof in Maryland wind conditions. |
| Six-Component System | All six OC system products must be installed together: shingles, starter strips, underlayment, ridge cap, ice & water shield, and ventilation. | Each component is engineered to work with the others. Swapping one for a generic equivalent breaks the system integrity and voids the Platinum warranty. |
| Active Licensing & Insurance | Contractor must maintain current state licensing and general liability insurance at OC-specified minimums — verified annually. | If something goes wrong and the contractor isn't properly insured, the liability falls on you. JDH carries $8M general liability — MHIC #137491, VA #2705192986. |
| Customer Satisfaction Standards | OC monitors contractor reviews and complaint history as part of ongoing Platinum status evaluation. | JDH maintains a 4.9★ rating across 1,460+ reviews — not because of review management, but because the work is done right the first time. |
Fewer than 1% of Owens Corning contractors in the country hold Platinum Preferred status. JDH has maintained it since qualifying.
Across Google, Facebook, and the OC contractor portal. Every review is from a real Southern Maryland homeowner — not a managed campaign.
Since 1986. Third-generation family ownership. The same name on the truck for nearly four decades means someone is always accountable.
Five Things That Move
Your Number Up
Every variable below is assessed and documented during a JDH forensic inspection before we produce a quote. None of these are post-tearoff surprises — they're line items you see and approve before we start.
Pitch is measured as rise-over-run — a 6/12 pitch rises 6 inches for every 12 inches of horizontal run. Once you're above 8/12, crews require safety harnesses, slower staging, and more labor time per square. High-pitch roofs on Chesapeake Bay waterfront properties are the most common driver of above-average labor cost in our market.
Maryland code allows a maximum of two shingle layers. If your home already has two, both must come off — there's no legal workaround. A second-layer tearoff roughly doubles the disposal weight and adds significant labor time. Roughly 40% of pre-2000 homes in Calvert and St. Mary's Counties have two layers.
A simple gable with two slopes is the fastest installation profile. Every additional element — dormers, valleys, skylights, chimneys, multiple hips — adds flashing work, cuts, and time. A hip roof with three dormers and a skylight can easily be 30–40% more labor-intensive than a geometrically simple roof of the same square footage.
OSB decking degrades faster in Southern Maryland's Bay-influenced humidity than in drier inland markets. Soft spots, delamination, and rot — particularly at valleys and around penetrations — are common in homes over 15 years old. About 30–35% of JDH replacements require some decking work.
The base system is OC Duration® with standard components. Upgrading to the full OC Platinum System — Deck Defense® underlayment, WeatherLock® ice & water shield, DuraRidge® ridge cap, and factory ventilation — adds cost but also adds the 50-year non-prorated workmanship warranty.
Homes within two miles of the Chesapeake Bay, Patuxent River, or major tidal tributaries face elevated wind loads and salt-air corrosion that inland homes don't. Coastal installations require enhanced fastening patterns (closer nail spacing, ring-shank nails), stainless steel drip edge and flashing, and in many cases the full OC coastal wind warranty package.
JDH documents your property's proximity to tidal water during the inspection. If enhanced fastening is required, it's a line item on your quote — not a post-tearoff add-on. This is one of the most commonly overlooked cost factors by contractors unfamiliar with the Southern Maryland market.
The "Hidden Cost" Problem — and Why JDH Doesn't Have It
Decking damage is the most common source of post-tearoff price surprises in the roofing industry. The standard contractor response: "We couldn't see it until the old roof was off." That's technically true for contractors who do a walk-and-talk estimate. It's not true for a HAAG-certified forensic inspector with a moisture probe.
JDH probes every valley, every penetration, and every suspect area during the inspection — before your quote is written. If decking repair is needed, it's in the number you approve. If the deck is solid, that's documented too and reflected in your price. Either way, the number on your final invoice matches the number you signed.
| Variable | What JDH Documents During Inspection | Typical Cost Impact |
|---|---|---|
| Steep Pitch (8/12+) | Pitch measured via inclinometer and aerial verification. Safety requirements and labor multiplier determined pre-quote. | +15–30% on labor |
| Two-Layer Tearoff | Layer count confirmed by probing at eave edge. Disposal weight and added labor hours priced before tearoff. | +$800–$1,500 |
| Roof Complexity | All valleys, dormers, penetrations, and transitions counted and measured. Flashing scope itemized on quote. | +10–40% on labor |
| Decking Damage | Moisture probe at all transitions and soft spots. Affected square footage estimated and priced into fixed quote. | +$400–$2,500+ |
| Coastal Exposure | Distance to tidal water measured. Enhanced fastening and stainless hardware requirements determined. | +$1,000–$3,000 |
| System Tier (Platinum) | Standard vs. Platinum component options presented with price difference and warranty comparison side-by-side. | +$800–$2,000 |
What Puts You at the
Bottom of the Range
Not every home is a complex job. If your property checks these boxes, you're looking at the lower end of the price range for your home type — and a faster, simpler installation day.
Low or Standard Pitch (4/12–6/12)
A walkable pitch means no specialized safety rigging, standard staging, and full crew efficiency throughout the day. The majority of colonials and ranches in Prince Frederick, Waldorf, and Leonardtown are in this range — it's the most common profile JDH installs.
One Existing Layer
If your home has only one layer of shingles — the most common scenario for post-2000 construction — tearoff is straightforward. No extra labor, no extra disposal weight, no second-layer surcharge. About 60% of homes JDH inspects have a single layer.
Solid, Dry Decking
When the forensic inspection confirms no soft spots, no delamination, and no moisture intrusion at valleys or penetrations, decking work comes off the scope entirely. This keeps your price firmly within the base range — no repair allowance built into the quote.
Simple Roofline Geometry
A straightforward gable — two main slopes, minimal hips, no dormers, no skylights, no chimneys other than a standard flue — is the fastest installation profile. Fewer cuts, fewer transitions, fewer flashing details. Simple geometry is the single biggest driver of lower labor cost after pitch.
Inland Location (No Coastal Premium)
Properties more than two miles from tidal water — most of inland Calvert, Charles, and St. Mary's Counties — don't require enhanced fastening patterns, stainless hardware, or the coastal wind warranty package. Standard installation spec applies throughout.
What the Bottom of the Range Looks Like
A home that checks all five boxes below will price at or near the low end of its home-type range. This is a real and common scenario.
How the Variables Stack
Same home type, different variables — see how the range shifts from the simplest to the most complex profile.
The $8,000 Roof That
Costs $19,000
We see this pattern in Southern Maryland several times a year. A homeowner accepts a low bid, the job goes sideways, and JDH gets called in to document and remediate. Here's exactly how it unfolds — and what the final number looks like.
A Composite of Real Southern Maryland Cases — How the Low Bid Unfolds
The Quote — Walk-and-Talk Estimate
Contractor walks the yard, glances at the roof from the ground, and produces a quote in 20 minutes. No measurement, no layer count, no moisture probe. The quote looks great — $7,800 for a full replacement. No permit mentioned. No specific products listed. Generic "30-year shingle."
Original bid: $7,800Post-Tearoff "Discovery" — The Second Layer
Old roof comes off on day one. Contractor calls the homeowner at 4 PM: "There's a second layer under there — we didn't see it from the ground. That'll be an extra $1,200." The old roof is in the dumpster. There's no negotiating. Homeowner approves.
Add: +$1,200The Decking Surprise
Deck exposed, crew finds soft spots at three valleys. Another call: "We need to replace six sheets of decking before we can proceed — add $900." Again, the homeowner has no alternative. A JDH inspection would have found and priced this before tearoff. Now it's a hostage negotiation.
Add: +$900No Permit — Problem at Sale
Job completes. Roof looks fine. Three years later, the homeowner lists the house. Home inspector flags the roof: no permit on record, non-standard drip edge, missing ice & water shield at valleys. Buyer demands a $4,000 credit or a licensed contractor re-inspection with documented remediation.
Add: +$4,000 credit at salePremature Failure — No Warranty Coverage
Year 7: shingles lifting at the ridge. Homeowner calls the original contractor — phone disconnected. Calls Owens Corning — no Platinum warranty on file, because the installer wasn't certified. No workmanship coverage. Full replacement required. JDH is called to document and quote.
Add: full reroof ~$13,000The "$7,800 roof" cost this homeowner over $27,000 across seven years — plus the stress of a failed sale negotiation and a contractor who disappeared. A JDH Platinum installation on the same home would have been $13,500, warranted for 50 years, with a closed permit on record.
* This is a composite scenario based on cases JDH has been called to document in Southern Maryland. Individual outcomes vary. The specific failure points (second layer, decking, permit, warranty) are among the most common patterns JDH encounters during second-opinion inspections.
Specific Line Items Low Bidders Skip
These are not opinions. They're the exact items most commonly absent from low bids JDH has reviewed in this market.
| Skipped Item | What Happens Without It | Eventual Cost |
|---|---|---|
| Building Permit | Unpermitted work flagged at resale inspection. Buyer demands credit or remediation. Insurance claim denial risk on future storm damage. | $2,000–$6,000 credit at sale |
| Drip Edge Replacement | Corroded original drip edge wicks moisture into fascia. Fascia rots within 3–5 years in Maryland humidity. Gutter detachment follows. | $800–$2,500 fascia repair |
| Synthetic Underlayment | Felt paper absorbs moisture and degrades. Secondary water barrier compromised within 5–8 years. Voids Platinum warranty eligibility entirely. | Warranty voided; leak remediation varies |
| Engineered Ridge Cap | Cut-shingle ridge caps fail at wind speeds well below what a Chesapeake Bay-area roof encounters. Blow-offs start at the ridge first. | $600–$1,800 ridge repair |
| Ice & Water Shield at Valleys | Valley leaks in the first hard freeze or ice dam event. Water intrusion at the most concentrated runoff point on the roof. | $1,500–$4,000 interior water damage |
| Pre-Tearoff Decking Inspection | Soft decking installed over. Fasteners don't hold. Shingles delaminate within 3–5 years. Warranty claim denied — decking condition not documented. | Partial or full reroof required |
Get a Second Opinion
Before You Sign.
If you've received a quote that's significantly below the ranges on this page, a free JDH forensic inspection will tell you exactly what's in it and what's not — before you're committed. No pressure. No obligation. Just a documented answer.
Get An Online Quote NowHAAG Master Inspector · Calvert, Charles, St. Mary's, Anne Arundel & PG Counties
The 35% Rule:
When We Recommend Repair
Most roofing contractors make more money replacing than repairing. That creates an obvious conflict of interest. JDH uses a documented threshold — the 35% Rule — to take that bias out of the equation.
If the repair cost is less than 35% of a full replacement
— and it's a long-term solution — we recommend the repair.
We only make repairs when it is ethical and a long-term solution. Not just a money grab. If patching a section will give you another 8–12 years of serviceable life at a fraction of replacement cost, that's what we recommend — even though replacement pays us more.
Recommend Repair
Under 35%JDH recommends repair when the scope is isolated, the surrounding system is still structurally sound, and a repair will deliver a genuine long-term solution — not just buy a year or two of delay.
Recommend Replacement
35% or OverWhen repair cost approaches or exceeds 35% of replacement, the math stops working in the homeowner's favor. You're spending significant money on a partial fix that leaves the rest of an aging system in place.
The Math in Practice — Two Real Scenarios
Why This Standard Matters — and Why Most Contractors Don't Use It
A roofing contractor who recommends replacement on every job that could be repaired is operating at the homeowner's expense. The industry average replacement recommendation rate is significantly higher than it should be — because replacement is more profitable than repair in almost every scenario.
JDH's forensic inspection methodology exists precisely to remove that bias. When a HAAG Master Inspector documents the condition before recommending a scope of work, the recommendation is based on the data — not the contractor's margin. We make repair recommendations regularly, including on jobs where we knew the homeowner expected to hear "you need a new roof."
If you've been told you need a full replacement and you're not sure, ask for a second forensic opinion. JDH's inspection is free and comes with no replacement obligation.
Why National Cost Calculators
Get Southern Maryland Wrong
Every major roofing cost calculator on the internet uses national average labor rates, national average material costs, and generic climate assumptions. None of them account for what makes Southern Maryland different. Here's the data that actually applies to your zip code.
What National Calculators Assume
A flat labor rate applied to square footage. Standard pitch. Inland climate. No permit cost variability. No coastal exposure. No two-layer prevalence data by county. The result is a number that may be $2,000–$5,000 off for a typical Southern Maryland home — in either direction.
What JDH's Data Is Based On
Actual completed projects across Calvert, Charles, St. Mary's, Anne Arundel, and Prince George's Counties between 2022–2026. Real permit fees by county. Real coastal exposure premiums by proximity to tidal water. 38 years of pricing data in this specific market.
Chesapeake Bay region averages 60–75% relative humidity — significantly above the national average. Accelerates OSB decking degradation.
ASCE 7 design wind speed for Southern MD. Coastal properties may require enhanced fastening above this baseline.
Southern Maryland averages ~43 inches of rain annually, plus occasional tropical storm rainfall. Proper valley and flashing detail is non-negotiable.
Dark shingles in full summer sun can reach 110–150°F. Proper ventilation prevents thermal shingle failure and premature granule loss.
County Permit Requirements & Typical Fees
JDH pulls every permit. Here's what to expect by county — and why skipping it puts you at risk.
| County | Permit Required? | Typical Fee | Inspection Required? | Notes |
|---|---|---|---|---|
| Calvert County | Yes — full replacement | $75–$150 | Yes — final inspection required | JDH permits all work from Prince Frederick HQ. Turnaround typically 3–5 business days. |
| Charles County | Yes — full replacement | $100–$175 | Yes — final inspection required | Waldorf-area projects covered. Waldorf service area includes White Plains, La Plata, Indian Head. |
| St. Mary's County | Yes — full replacement | $75–$140 | Yes — final inspection required | Leonardtown, Lexington Park, Great Mills, Mechanicsville. Some coastal properties may require additional review. |
| Anne Arundel County | Yes — full replacement | $100–$200 | Yes — final inspection required | Deale, Lothian, Davidsonville, Shady Side. Higher permit fees reflect county rate structure. JDH serves the southern AA County corridor. |
| Prince George's County | Yes — full replacement | $125–$225 | Yes — final inspection required | Accokeek, Bryans Road, Fort Washington. Highest permit fees in the JDH service area. Permit cost included in all JDH quotes. |
JDH Project Data by County — 2024–2026
Based on completed roof replacements. All projects included full OC system installation, permit, and cleanup.
| County | Typical Range | Most Common Home Type | Local Factors |
|---|---|---|---|
| Calvert County | $9,500 – $18,000 Avg: ~$13,200 | Two-story colonial, 1,800–2,400 sq ft. Mix of 1980s–2000s construction. Higher coastal premium near Chesapeake Beach and Solomons. | ~40% of pre-2000 homes have two layers. Bay humidity elevates decking repair rate. Coastal properties in Chesapeake Beach and Lusby require enhanced fastening. |
| Charles County | $9,000 – $17,500 Avg: ~$12,800 | Waldorf-area colonials and newer construction townhomes. Higher townhome volume than Calvert. La Plata and White Plains skew toward larger homes. | More post-2000 construction means lower two-layer rate. Inland location keeps most projects at standard fastening spec. Active storm season in 2023–2024 drove high volume. |
| St. Mary's County | $9,500 – $20,000+ Avg: ~$13,800 | Wide range — from Lexington Park ranch homes to large waterfront properties near Point Lookout and St. Mary's City. Higher complexity average than other counties. | Highest coastal exposure rate in JDH service area. Point Lookout and St. George Island properties require full coastal spec. Rural areas have more older construction. |
| Anne Arundel (South) | $10,000 – $18,500 Avg: ~$14,200 | Deale, Shady Side, Lothian, Davidsonville. Mix of waterfront cottages, newer colonials, and rural properties. Higher permit fees factor into total cost. | Deale and Shady Side waterfront properties have significant coastal premium. Higher permit fees vs. southern counties. Western Shore Bay exposure is a consistent factor. |
Data source: JDH Remodeling completed projects, 2024–2026. Ranges reflect full OC system installations including permit, tearoff, and cleanup. Averages are calculated across all home types within each county. Individual project costs vary based on pitch, layers, decking condition, and system tier. These figures are not applicable to repair-only scopes.
The Chesapeake Bay Factor:
Why This Market Is Different
Southern Maryland is one of the few roofing markets in the mid-Atlantic where three distinct climate stressors act on roofs simultaneously: Bay humidity, coastal wind exposure, and wide seasonal temperature swings. A national average doesn't capture any of these.
A roof installed to standard inland spec in Chesapeake Beach will underperform versus the same system installed to coastal spec. JDH accounts for proximity to tidal water on every quote — because it's the only responsible way to specify work in this market.
Bay Humidity
60–75% average relative humidity accelerates OSB decking degradation and promotes algae growth on shingles. Deck Defense® synthetic underlayment is non-negotiable.
Coastal Wind Loads
Waterfront and near-shore properties face elevated wind speeds and direction variability. Enhanced fastening patterns and stainless hardware prevent blow-offs.
Temperature Extremes
Southern Maryland roofs cycle from 110°F+ summer surface temps to sub-freezing winter conditions. Proper ventilation and ice & water shield coverage prevent thermal failure.
Don't Let the Upfront Cost
Delay a Necessary Repair
A roof that needs replacement doesn't get better with time — it gets more expensive. JDH offers financing through two institutional lenders so the project that protects your home doesn't have to wait for a lump sum.
Service Finance Company
Primary home improvement lender — most approvals
Soft credit pull for pre-qualification. Hard pull only at final approval. Most decisions in minutes. Ask JDH during your inspection appointment.
Wells Fargo Home Projects
Secondary option — broader credit range
Good option for homeowners with established credit history. JDH can run both lenders simultaneously to find the best approval. Ask during your inspection.
What Your Monthly Payment Looks Like
Based on representative project costs and financing terms. Actual rates and payments depend on credit profile and lender approval.
| Project Cost | 12-Mo / 0% Service Finance promo | 60-Mo / Fixed ~9.99% APR est. | 120-Mo / Fixed ~12.99% APR est. | Typical Scenario |
|---|---|---|---|---|
| $7,500 | $625 / month | ~$159 / month | ~$112 / month | Townhome or smaller cape cod. Single layer, standard pitch. |
| $12,500 | $1,042 / month | ~$266 / month | ~$186 / month | Average Calvert County colonial. OC Platinum system, one layer. |
| $15,000 | $1,250 / month | ~$319 / month | ~$224 / month | Standard colonial with decking repair or two-layer tearoff. |
| $18,500 | $1,542 / month | ~$394 / month | ~$276 / month | Larger or coastal home. Steep pitch, full Platinum system. |
Common Financing Questions
Can I finance my insurance deductible?
Yes. Your deductible is a real cost and financing it is completely legitimate. JDH's financing options can cover any portion of your out-of-pocket cost — including the deductible, upgrade difference, or the full project amount if you're paying without insurance.
When does financing get applied?
Financing is applied at contract signing, before work begins. Your approval is confirmed before installation day so there are no payment complications at project completion. The financing timeline never holds up your job.
Does financing affect my contract price?
No. JDH's fixed-price quote is the same whether you pay cash, check, or finance. We do not add a financing surcharge or adjust the project price based on payment method. The number you approve is the number on the invoice.
What credit score do I need?
Service Finance and Wells Fargo both offer options across a range of credit profiles. A score of 640+ typically qualifies for most terms. JDH can run a soft pre-qualification that doesn't affect your score before you decide whether to proceed.
Can I pay off the loan early?
Yes — both lenders allow early payoff without penalty. If you receive an insurance check after financing the project, you can apply it directly to the loan balance. No prepayment penalties on either lender's standard terms.
What if I'm denied by one lender?
JDH works with two lenders specifically so we have a backup option. If Service Finance declines, we move to Wells Fargo — or vice versa. If both decline, we'll discuss alternative options. We don't leave homeowners without a path forward.
Ask About Financing During
Your Free Inspection.
There's no obligation to finance and no pressure to decide on-site. JDH will present your options at the time of quote so you can make an informed decision. The inspection and quote are always free — financing is just one more tool available to you.
Storm Damage &
Your Insurance Claim
If your roof was damaged by hail or wind, insurance likely covers it. Here's the exact process JDH uses — and what makes it different from how most contractors handle a claim.
Storm Damages Your Roof
Hail, wind, falling debris. You notice damage or a neighbor flags it.
JDH Forensic Inspection
HAAG-certified inspection documents damage type, extent, cause, and affected squares. Free, no obligation.
Review Options & Sign with JDH
We present your scope and system options. You choose, sign the contract. No carrier call first.
Contract Submitted to Carrier
The signed JDH contract is submitted to your insurance carrier as the documented basis for settlement.
Work Done — You Pay JDH
JDH completes the job. You pay us. Your carrier reimburses you for the covered amount.
Your Deductible Is Always Your Responsibility
Your deductible is the amount your policy requires you to pay before coverage applies. It is always the homeowner's responsibility — not the contractor's. This is a contract between you and your insurer, not a negotiating point.
Many coastal and waterfront policies in Southern Maryland carry percentage-based wind/hail deductibles — typically 1–5% of your home's insured value. On a $450,000 home with a 2% wind deductible, that's $9,000 out of pocket before coverage applies. JDH offers financing options that can cover your deductible.
Waiving the Deductible Is Insurance Fraud in Maryland
Any contractor who offers to "waive your deductible," "work within your deductible," or "cover your deductible" is asking you to participate in insurance fraud. In Maryland, this is a misdemeanor for both the contractor and the homeowner.
JDH does not do this. We never have. We quote what the job costs and collect what the contract says. If a contractor leads with "we'll handle your deductible," that tells you everything you need to know about how they operate.
Think You Have Storm Damage?
Start With the Inspection.
JDH's forensic inspection is free and comes with no replacement obligation. We'll document what's there, tell you what it means, and give you options — before you sign anything.
Roof Replacement FAQs
The questions Southern Maryland homeowners ask us most often — answered the way we'd answer them in person.
01 How much does a new roof cost in Maryland?
02 What's included in JDH's roof replacement price?
03 How do I know if I need a repair or full replacement?
04 Does homeowner's insurance cover roof replacement?
05 How long does a roof replacement take?
06 What is an Owens Corning Platinum Preferred contractor?
07 What is a HAAG Master Inspector — and why does it matter?
08 Do I need a permit for a roof replacement in Maryland?
09 How does JDH's fixed-price quote work?
10 What financing options does JDH offer?
Still Have a Specific Question?
Every roof is different. Schedule a free forensic inspection and Jim will walk through your specific situation — scope, cost, warranty options, and insurance documentation if a claim is involved. No sales pressure. No replacement pitch before the inspection is done.