Owens Corning vs. GAF Roofing Shingles: Cost, Pros & Cons, and More

GAF and Owens Corning own the largest share of the asphalt shingle market in America, and apart from CertainTeed, another major player in the fiberglass shingles market, no other manufacturer comes close.

Most homeowners choose between GAF Timberline and Owens Corning Duration shingles. However, both brands make additional lines of shingles across the traditional and premium categories that are also worth considering. GAF offers an impressive 20 lines of asphalt shingles to choose from compared to 12 main lines of shingles from Owens Corning.

Did you know? Independent roofers are often happy to install either brand – especially the bread-and-butter lines such as GAF Timberline HDZ and OC TruDefinition Duration shingles.

What we cover in this guide: This is a complete Owens Corning vs. GAF side-by-side comparison across all the main categories that matter to homeowners. It analyzes head-to-head the shingle options, quality, prices, warranties, and specialty shingles including those with Energy Star, Cool Roof, and Class 4 Hail Impact Resistance ratings.

Let’s put the comparison between these two popular brands into proper perspective right from the start

Owens Corning focuses mostly on the mid-range architectural shingle products, although it also makes low-cost 3-tab Supreme shingles rated for 60 MPH winds, and a few premium lines like Berkshire and Woodmoor.

GAF covers the spectrum more completely with a couple of 3-tab options like the Marquis Weathermax with an 80 MPH wind warranty and seven premium designer lines like the classic Camelot II and the beefy shake-designed Grand Sequoia available in standard and Class 4 Hail Impact rated shingle options.

In this guide:

In each major category, we pick a winner to help you choose shingles that will beautifully and effectively serve your home over the next couple of decades or longer.

  1. General Quality
  2. Costs
  3. Performance and Value
  4. Hail Impact Resistant Shingles
  5. Energy-efficiency: Cool Roof Shingles
  6. CA Title 24, LA County Green Building Code Roof Shingles
  7. Warranty Comparison
  8. Bottom-line and Takeaways

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Roof Financing – How to Pay for a New Roof – The Ultimate Guide

When the time comes, replacing your roof is a big, important, investment. Since a new roof can cost $10,000 or more, paying cash is not an option for most homeowners. Financing, by taking out a home equity line of credit or a home improvement loan, is how most homeowners pay for the roof they need.

A new asphalt shingle roof with PV solar panels
New Shingle Roof

$7,500
Average price
New Metal Roof

$14,500
Average price
New Flat Roof

$8,225
Average price

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A line of credit or a loan allows a homeowner to pay in installments spread out over time, which is easier to handle than an upfront cash payment in full. This guide will help you sort out the different types of home renovation loans so you can find the one that best meets your needs.

The first step is to contact at least three licensed contractors to discuss your roofing options and to get estimates on the cost of a new roof. Knowing how much your new roof will cost will help determine which type of financing works best for you.

Home Equity Lines of Credit (HELOCs)

HELOCs are revolving credit lines that typically come with variable interest rates. Your monthly payment amount will depend on the current interest rates and your loan balance.

HELOCs are very similar to credit cards, except the rates are generally significantly lower because your home serves as a collateral, whereas credit cards are considered a form of unsecured debt (with some of the debt often becoming uncollectable for Credit Card companies, hence requiring high interest rates) with much higher interest rates.

Once, you are approved for a certain HELOC amount, you can then draw any amount, at any time, up to your credit limit. You can pay the loan down or off at will.

HELOCs have two phases. During the draw period, you use the line of credit as needed, and your minimum payment may cover only the interest due for that month.

However, eventually, usually after ten years, the HELOCs draw period ends and your loan enters the repayment phase. At this point, you can no longer draw funds and the loan becomes fully amortized for the remaining years.

HELOCs offer low closing costs and are very convenient. They offer low monthly payments during the draw period. The downside of these loans is that they use variable interest rates, meaning the interest rate can rise in tandem with the Federal Reserve’s prime rate.

Also, your monthly payments can significantly increase once the repayment phase begins and you begin paying both the interest and the principle on the loan.

Homeowner’s Insurance Coverage

You might be able to use your homeowner’s insurance policy to cover the cost of a new roof. Many homeowners’ insurance policies also include roof replacement insurance, and hence will cover roof replacement if the roof was severely damaged by fire, wind, or hail. However, if your roof degraded due to age and general wear-and-tear and/or due to a lack of maintenance (no roof cleaning, allowing moss outgrowth, not dealing with issues like loose shingles in time, etc.), the insurance company won’t cover the replacement. One thing to consider is that making a claim on your insurance will, most likely, raise your premium in the future.

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