I think it depends on the square footage of all your areas that need replacing and the quality of materials used. My roof was covered by insurance - it is a large roof and it was $9k for an anti-algae, 110 mph wind, owner transferrable lifetime roof. Got the best I could get. Also - like paint? Benjamin Moore is very expensive, but great paint, whereas Behr is, in my opinion, not good quality. Good luck and truly sorry about your disaster!