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Minor roof repairs (replacing a few tiles, sealing a small leak) cost $200–$800. Gutter replacement runs $25–$60 per linear metre. A full roof replacement on a standard 3-bedroom home costs $10,000–$35,000+ depending on roofing material and home size.

Signs you may need a full replacement: widespread cracking or brittleness in tiles, major rust on metal roofing, multiple active leaks, or a roof over 25–30 years old. A good roofer will give you an honest assessment — get a second opinion if a repair quote seems excessive.

Most home and contents policies cover storm damage to roofs. Call your insurer before arranging repairs — they may require an independent assessment or use their own approved repairers. Keep photos of the damage and any emergency repairs you arrange.